Living until you’re 100 could be a blessing or a curse. While many Americans are optimistic about their chances of living an extra 30 years, they don’t feel so good about how they might pay for them. Seventy percent of those polled in a recent Allianz Life study said they didn’t feel financially prepared to live to 100 and beyond.

What if you live to be 100? The thought should be exciting, not invoke panic. Here’s how to not outlive your money.

Stay the course

While you want to moderate your risk as you age, don’t go overboard. “Maintain significant equity exposure into retirement,” says Brett Whysel, founder of Decision Fish, in Manhattan,

Maximize your 401(k), contribute to an IRA or Roth IRA, advises Aviva Pinto, director at Bronfman E.L. Rothschild in Manhattan.

Don’t rush to retire

“Sixty-five is just a stupid number that we need to quit anchoring to. Consider working longer,” says Damon Gonzalez, a certified financial planner with Domestique Capital in Plano, Texas.

advertisement | advertise on newsday

Wait as long as possible to take Social Security. “You won’t remember how nice life was at 62 when you took Social Security early if you make it to 100 and don’t have two dimes to rub together,” says Gonzalez.

Anticipate health care costs

Health care is likely to be your biggest expense. Purchase long-term care insurance. New York State provides a 20 percent credit for premiums.