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The risks of falling into poor health, losing the ability to work or live independently, and becoming widowed increase with age and threaten financial security. Over a 10-year period, more than three-quarters of adults age 51 to 61 at the beginning of the period experience job layoffs, widowhood, divorce, new health problems, or the onset of frailty among parents or in-laws. More than two-thirds of adults age 70 and older experience at least one negative shock over a nine-year period. Financial consequences are especially serious for older adults who develop work disabilities or long-term care needs, or who become unemployed.