While no one can predict the future, financial forecasters tend to think that future retirees' healthcare costs will continue to grow until they take up all of their Social Security dollars.

2016's retirees see about 57% of their SS checks going to healthcare (pretax). But healthcare costs grow by 5-7% annually, while Social Security provisions increase by only 2-3%.

You can do the math on the back of a napkin. By the time today's Gen Xers and Millennials hit retirement age, they'll have to find other ways to pay for living expenses if all other cost factors remain on current growth patterns.

Individual mileage will vary, as personal health states will determine actual retirement health spending. In any case, it's a good idea to be healthy or wealthy by the time you retire.

Better yet? Both.

Read full article at TIME.