This study examined young (n=40) and middle-aged (n=30) adults' susceptibility to comparative optimism and comparative pessimism regarding disability in old age and their willingness to save for long-term care. Participants rated their risk of diverse levels of disability in old age, compared to another similar person, and indicated the amount of money they would be willing to save for future long-term care. While middle-aged participants showed the same level of comparative optimism for diverse disability levels, younger participants showed increasing levels of comparative optimism with increasing disability. Participants' comparative optimism levels and age both predicted their intentions to save. The findings are discussed in terms of theories of judgment and behavioral decision making.