The human lifespan may be increasing — but will those additional years be spent happily? That question haunts doctors and researchers. They envision the next generations living longer, but unhealthy lifestyles and financial challenges may impact those extra years.

The average lifespan has crept into the 80s, with women living an average of 81.2 years and men living an average of 76.4 years, according to the Centers for Disease Control and Prevention.

If trends hold, a baby born today might easily live to be 110 years old. The next generation, born after 2030, might live to age 150.

But if trends hold, a baby born today might easily live to be 110 years old, and the next generation, born after 2030, might live to age 150, according to futurist David Tal, of Toronto, Ontario. He is president of Quantumrun.com, a long-term strategic forecasting agency.

“Starting in the mid-2030s, parents in the developed world will gain access to the ability to genetically engineer certain qualities in their future children to make them immune to a variety of diseases and viruses, as well as potentially improve their physical and mental abilities,” Tal told LifeZette.

Not every researcher agrees increasing lifespan is a given.

Modern medicine and technology will likely solve health challenges like cancer and heart disease, but increasing stress is driving the population to higher use of addictive “numbing” substances, such as prescription and illegal drugs, excess food, and alcohol. Obesity is rising, currently up to 34.9 percent — with over 68 percent of Americans considered overweight.

Diseases such as diabetes, cancer, stroke, heart disease, liver and kidney disease can rob patients of 7 to 10 years of life, and all have strong links to obesity, poor diet, and sedentary habits.

We can change our health habits — but part of the future may not be in our hands: The increasing failure of antibiotics in the face of super bugs, infections, and viruses might cancel out any gains in lifespan.

Currently, a couple living 20 years past retirement can expect to pay over $218,000 for health-related costs, and this will rise exponentially.

“Overall, life expectancy and infant mortality have been improving consistently throughout this century, especially since the 1950s, thanks to the green revolution and the introduction of cheap antibiotics,” said Tal. “The only factor that can seriously threaten this trend is the looming threat of global antibiotic resistance.”

Back to a baby born in 2016 — what will his or her possible 110-year life be like?

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“It’s not how long we live, but the quality of it,” said Chris Martenson, Ph.D., of Montague, Massachusetts. His book, “Prosper,” identifies eight forms of capital needed to live a high-quality life, including financial, physical, emotional, spiritual, cultural, intellectual and social.

Martenson says longevity may not increase — especially without individual effort.

“Stress, obesity, lack of physical conditioning, and suicides overtook car accidents as the leading causes of death other than disease in 2010,” he explained. “The data tells us that if we manage our nutrition better, we will live longer — but will we? Serious corporate interests are pushing us to do what is not healthy.”

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If a child born this year does learn to manage his physical health effectively, Martenson believes he will need a wide array of skills and resources to make that longer life fulfilling, including different ways of making, saving, and using money, and different relationship skills.

Extra years of life will mean increased financial burden. Already, Americans are working later in life than previous generations. The U.S. Bureau of Labor Statistics reports that 18.9 percent of people over 65 are still working. Twelve percent of Americans say they don’t plan to retire ever.

A baby born today might have several careers, spread out over six or seven decades.

Financial advisers say millennials may be ready for this challenge. They prefer to spend money on experiential events and eschew debt. So they’ll need to save early and long for retirement, with a focus on paying for additional medical and long-term care. Currently, a couple living 20 years past retirement can expect to pay over $218,000 for health-related bills, and this will rise exponentially.

“Proper planning is paramount or a health-related event can wipe out a lifetime of accumulated savings,” said Steven Schwartz,of Hauppauge, New York, a vice president at HUB International Northeast, an insurance brokerage company. “Will the baby’s life be better, or simply longer? For the fortunate, life will be better, with more precious time available for family and friends.”

Related: Stairway to Longevity

Imagine our children with the freedom to spend decades raising their children, as well as decades establishing a thriving career. They will likely have several long-term relationships that fit different time periods, since lifelong partnerships will be stressed during the additional years of natural changes to both parties. People willing to stick out 10 years of a tolerable or poor relationship might not be willing to do the same, if it means 30 years of unhappiness.

For many of the challenges any new baby faces, there may be an answer through technology. That person will no doubt track health and fitness statistics, manage savings and investments, and have more direct power over every aspect of life, if the use of technology is focused.

But they’ll also need to develop emotional resiliency, as well as deep cultural and social connections with people who offer support, love, and validation. This is the challenge for us, as parents of a new baby.

Research shows these elusive “soft” skills of developing meaningful relationships and establishing emotional equilibrium are among the biggest challenges for future generations — and they are the ones associated with productive living and happiness.

Pat Barone is a professional credentialed coach and author of the Own Every Bite! bodycentric re-education program for mindful and intuitive eating, which helps clients heal food addictions.