Many retirees can expect to live another 20 years, and some people will live to age 90 or beyond. That means you might need to pay for several decades of retirement. But once you’re retired, you live on a fixed income. There are no merit raises, bonuses or employer contributions to your retirement account. So even if you can afford your current lifestyle, you should consider what’s going to happen over the next 20 or 30 years. Here are five issues to take into account when planning your financial future.