The retirement-savings crunch has been an ongoing problem for low- and middle-income seniors, but a new warning from investment research firm Morningstar suggests that even well-off Americans should double-check their retirement calculus. “Very high-income, high-net-worth people can plan to self-fund long-term care costs, though I’d advise them to do the math on long-term care cost…

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Poor sleep increases your risk of health problems, such as cardiovascular disease, high blood pressure, diabetes, depression and obesity, the U.S. National Institute on Aging says. Poor sleep also has been linked to memory problems and increased risk of falls, the agency adds. You should aim for at least seven hours of quality sleep each…

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