You mean add in. By the time I'm old enough to be experiencing heart problems, I'm sure mechanical, less-failure-prone hearts are going to be commonplace, which means far less expenditure on maintenance costs and longer estimated longevity.

I can't find a link now, but I once saw a scan of a magazine article from the late 19th or early 20th century century that said pretty much exactly the same thing.

Heh heh. Well, I guess retirement planning is all about the assumptions you make.