Core Insights - Many individuals do not anticipate health crises occurring in the pre-retirement decade, which can significantly impact retirement savings plans [1][4] - Health issues such as heart attacks and cancer can lead to extended time away from work, affecting savings [1][2] Financial Planning Considerations - Individuals facing health crises should consider consulting a financial advisor to navigate their financial future post-diagnosis, as there are no definitive answers or predictions regarding disease progression [4] - It is advisable to enhance emergency savings as retirement approaches and to be mindful of personal health risks [5] Retirement Savings Statistics - Fidelity reports that American couples estimate needing $75,000 for healthcare costs in retirement, while the actual average requirement is $330,000, with potential increases due to inflation and rising healthcare costs [5]