100 ways to make your money last until you're 100

The average American is expected to live to 79, which means that many people are living even longer. And when it comes to planning for retirement, it’s always better to be safe than sorry — which means it’s best to start making small (and large) changes now to make sure your money can last three decades or more in retirement, especially given that the future of Social Security is unclear and some believe that Social Security running out is a real possibility in our lifetimes.

My best piece of advice is to own your home as soon as possible. Although this might mean making financial sacrifices elsewhere in your life, paying off your mortgage quickly will save you in the long term, as housing costs are typically our biggest expense.

To get even more advice on how to make your money work for you, save more, spend less and get financially ready for retirement, I spoke to the experts.

Click through the slideshow to see 99 more tips for how to make your money last if you plan on living to 100.