Retirement Fund

I am studying the single premium immediate annuity and planning for my retirement.

I am so worry what will happen when my age of retirement. If I am still healthy and full of energy at that time, I will have no worry at all. But look at my current health situation, I do worry how can I continue survive if my health level drop accordingly with my age getting older.

When I am still able to work and earn income, I suppose to save instead of spend the excess money. With the new job beginning next month, hopefully I can start to save some excess as my retirement fund.