According to a recent study by Fidelity Investment, people in retirement with poor health need to replace approximately 96% of their pre-retirement income while healthy people only need to replace 77%.  The impact is this in a simple calculation, the person with excellent health who earns $100,000 per year needs $77,000 in income during retirement; the unhealthy person requires $96,000 per year.  These numbers mean a person in excellent health with a 3% withdrawal will require $2.57 million in savings.  The unhealthy person mirroring the same lifestyle will require $3.2 million in savings.  Illness and lack of health costs about $630,000 more in savings, not to mention the deterioration in the quality of life.  Putting these numbers to a test, is it really worth $630,000 to watch TV or eat the extra desert rather than going for a walk or choosing healthier foods? You decide.