Conclusions and Relevance Adults 75 years of age or older with adenoma at prior colonoscopy were more likely to experience subsequent CRC and CRC death compared with those without adenoma, but cumulative risks were low and were far exceeded by competing risks for non-CRC death. Older adults may consider deprioritizing surveillance colonoscopy relative to other health concerns. Colorectal Cancer and Mortality Risk Among Older Adults With vs Without Adenoma on Prior Colonoscopy – https://jamanetwork.com/journals/jama/article-abstract/2847311
(Less Than) Random Thoughts on Retirement – 05.03.26
Yes dear reader, yet another post in the never ending series of random thoughts on retirement. https://lifeunderwriter.net/tag/random-thoughts-on-retirement/
Though the traditional retirement age in the U.S. typically falls between 62 and 67, many Americans continue working beyond that point. As of 2024, slightly more than 22% of adults aged 65 and older are still employed, either full-time or part-time. Though the traditional retirement age in the U.S. typically falls between 62 and 67, many Americans continue working beyond that point. As of 2024, slightly more than 22% of adults aged 65 and older are still employed, either full-time or part-time. – https://financebuzz.com/working-in-retirement-data
I’m not the only Old Guy who is still working past age 65.
But despite the fact I’m not the only Old Guy who is still working past age 65 more people are starting retirements earlier than they expected (always have a Plan B and maybe even a Plan C).

2026 EBRI/Greenwald Retirement Confidence Survey https://www.ebri.org/content/2026-ebri-greenwald-retirement-confidence-survey
I just learned I’m not the only Old Guy who still has a mortgage.
Over the past three decades, the share of homeowners ages 65 to 79 with a mortgage rose from 24% to 41%, while median mortgage debt surged by 400%, according to the Joint Center for Housing Studies at Harvard University. More Americans aging into retirement are still paying down mortgages – https://www.marketplace.org/story/2025/06/09/more-older-americans-continue-to-pay-mortgages
I also learned about the disappearance of structured cognitive demand in retirement.
A 2025 systematic review published in Health Psychology Review found that retirement is associated with measurable cognitive decline, not just because people age, but because structured cognitive demand disappears. Researchers have called it “mental retirement”: The brain follows the body’s example and withdraws from challenge. Gary Has a Plan for Retirement: Crash on the Sofa and Veg. Here’s the Problem With That …https://www.kiplinger.com/retirement/retirement-planning/your-long-term-retirement-plan-needs-a-purpose
I’m now paranoid about the disappearance of structured cognitive demand with a mortgage to pay off and too scared to retire.
Incubation of Craving (in rats)
Changes in neural connections due to substance use and withdrawal are long-lasting, and craving can peak well into abstinence.
Incubation of craving in rats — in other words, an inverted U-shaped curve where craving rises, plateaus and then declines — holds across drug classes. So although it was initially demonstrated for cocaine, incubation of craving occurs in rats after self-administration of methamphetamine, opioids, nicotine and ethanol. Incubation of cue-induced craving has also been demonstrated in humans — so far, this has been shown during abstinence from cocaine, methamphetamine, nicotine and alcohol. So that long plateau phase that we see in the animals is a relevant model for the persistent vulnerability to craving and relapse in humans who are trying to recover from substance use disorder. What addiction does to the brain – https://knowablemagazine.org/content/article/mind/2026/what-addiction-does-to-synapses-in-brain
The article is an interview with Marina Wolf, a behavioral neuroscientist at the Oregon Health & Science University. Good stuff if your brain is into brain stuff.
Medscape on Obesity – 04.26.26
Brain Changes
In a study published in Nature Communications, scientists say they detected five broad phases of brain structure in the average human life, split up by four pivotal “turning points” between birth and death when our brains reconfigure. Scientists identify five ages of the human brain over a lifetime – https://www.cam.ac.uk/stories/five-ages-human-brain
Yikes.
“Medical” Advice for the Masses
The AIs’ failure rates exceeded 80 percent when provided with given ambiguous symptoms that could match more than one condition, and for more straightforward cases that included including physical exam findings and lab results, they still failed 40 percent of the time. The researchers also found that unlike human clinicians, the “LLMs collapse prematurely onto single answers,” resulting in “weak performance” across all models. Millions of Americans Are Talking to AI Instead of Going to the Doctor, and It’s Giving Them Horrendously Flawed Medical Advice – https://futurism.com/artificial-intelligence/millions-americans-ai-instead-doctor-bad-advice
Wow.
From the study discussion section:
Our evaluation suggests that despite rapid advances in pattern recognition and knowledge retrieval, current LLMs still lack the reasoning processes needed for safe clinical use. The consistent gap between differential diagnosis and final diagnosis highlights how differently these systems process information compared with physicians. Clinicians preserve uncertainty and iteratively refine differential diagnoses, whereas LLMs collapse prematurely onto single answers, a limitation that persists across model generations. Their weak performance on differential diagnosis, consistent with a prior study from authors of the current work,8 suggests these limitations persist across early and state-of-the-art models. The risk is not just that LLMs are sometimes wrong but that their reasoning is brittle precisely where uncertainty and nuance matter most. Benchmarks that reward only correct final answers risk reinforcing this shortcutting, widening the gap between marketing claims and the skills actually required at the bedside. Large Language Model Performance and Clinical Reasoning Tasks – Rao AS, Esmail KP, Lee RS, et al. Large Language Model Performance and Clinical Reasoning Tasks. JAMA Netw Open. 2026;9(4):e264003. doi:10.1001/jamanetworkopen.2026.4003 https://jamanetwork.com/journals/jamanetworkopen/fullarticle/2847679
Wow.
Should you really trust health advice from an AI chatbot? https://www.bbc.com/news/articles/clyepyy82kxo. Dr Nicholas Tiller explains: “They are designed to give very confident, very authoritative responses, and that conveys a sense of credibility, so the user assumes that it must know what it’s talking about.” He thinks chatbots should be avoided for health advice unless you have the expertise to know when the AI is getting the answers wrong.
The study’s Conclusions The audited chatbots performed poorly when answering questions in misinformation-prone health and medical fields. Continued deployment without public education and oversight risks amplifying misinformation. Tiller NB, Marcon AR, Zenone M, et al
Generative artificial intelligence-driven chatbots and medical misinformation: an accuracy, referencing and readability audit BMJ Open 2026;16:e112695. doi: 10.1136/bmjopen-2025-112695 https://bmjopen.bmj.com/content/16/4/e112695
Wow.
Now go read this thread posted on LinkedIn https://www.linkedin.com/posts/gratuz_ai-llm-activity-7358862577512165376-Q7AA
Yikes.
Scary Charts 04.17.26 (random thoughts on retirement and longevity risk)
There is a significant chance that you will live for many years beyond the average, and you should consider this possibility when thinking about your retirement. The Actuaries Longevity Illustrator (“ALI”) has been developed as an educational tool by the American Academy of Actuaries and the Society of Actuaries to help you gauge what those chances are. Reflecting on your longevity will allow you to consider the risks of outliving your financial resources, i.e., the chance of running out of money during your lifetime, which we refer to as retiree financial longevity risk . The ALI helps you to consider those risks by letting you see how long you might live. https://www.longevityillustrator.org/
Try this calculator to see your probability of living to certain ripe old age.
Scary Charts 04.16.26
America’s Largest Hospital System Ready to Start Replacing Radiologists With AI
“We could replace a great deal of radiologists with AI at this moment, if we are ready to do the regulatory challenge,”
Mitchell Katz, president and CEO of New York’s 11-hospital public benefit corporationMohammed Suhail, a radiologist at North Coast Imaging in San Diego, told Radiology that Katz’s comments are “undeniable proof that confidently uninformed hospital administrators are a danger to patients (and are) ..“easily duped by AI companies that are nowhere near capable of providing patient care.”
America’s Largest Hospital System Ready to Start Replacing Radiologists With AI, Its CEO Says – https://futurism.com/artificial-intelligence/hospital-ceo-ai-radiology
Confidently. Uninformed.
Yikes.
More Random Thoughts on Retirement – 03.28.26
We plan for the money. We don’t plan for the Monday morning when no one needs you to be anywhere.
Julianne Holt-Lunstad, a professor of psychology and neuroscience at Brigham Young University, published a landmark meta-analysis in 2015 involving over 3.4 million participants. Her finding: social isolation increases the risk of premature death by 26%, and loneliness by 29%. Those numbers rival the health impact of smoking fifteen cigarettes a day. We treat smoking as a public health crisis. We treat retirement loneliness as a personal failing.
Nobody ever tells you that retirement doesn’t just end your career, it ends the only social structure that was generating daily human contact, and that most people don’t realize their workplace was their entire community until the day they leave it – https://vegoutmag.com/lifestyle/j-a-nobody-ever-tells-you-that-retirement-doesnt-just-end-your-career-it-ends-the-only-social-structure-that-was-generating-daily-human-contact-and-that-most-people-dont-realize-their-workplace-was-th/
Yes dear reader, yet another post in the never ending series of random thoughts on retirement. https://lifeunderwriter.net/tag/random-thoughts-on-retirement/
Though the traditional retirement age in the U.S. typically falls between 62 and 67, many Americans continue working beyond that point. As of 2024, slightly more than 22% of adults aged 65 and older are still employed, either full-time or part-time. Though the traditional retirement age in the U.S. typically falls between 62 and 67, many Americans continue working beyond that point. As of 2024, slightly more than 22% of adults aged 65 and older are still employed, either full-time or part-time. – https://financebuzz.com/working-in-retirement-data
So I’m not the only Old Guy who is still working past age 65.



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