It depends on how well you want to live near the end. Rich people have no problem meeting all there needs except for the inevitable. Middle income people may want to buy Long Term Care insurance, so they can sustain a pretty comfortable middle class life style until the end. Otherwise you end up impoverished when the state takes everything and puts you in poor-house care. Of course, that means no inheritance for your kids, but if they can't take care of themselves by the time you die, screw 'em.
We're flying electric helicopters on Mars yet you can't turn on your clothes dryer in Texas. That's because scientists are in charge of Mars, and Republicans are in charge of Texas.