What can we do as individuals to ensure that we have qualityof life in our later years?

Answer 1

Eat healthy, get proper exercise, don't use drugs, don't smoke and use alcohol in moderation if at all. Financially stay out of credit card debt and save in a 401k plan during your working years to supplement your social security and retirement benefits. Try to have your home and vehicles paid off by the time you retire to reduce expenses.

Answer 2

an IRA , staying healthy, enjoying your friendships, keeping busy doing a hobby.