Author: SupremeCmdr

Concerning Trends in Retirement – More Less Than Random Thoughts

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  • Lack of sufficient savings
  • Inflationary pressures
  • Rising credit card debt
  • Half of respondents said they had saved less than what was needed for retirement.
  • When we asked an open-ended question about why they rated their satisfaction with retired life as they did, inflation was a major reason.

The ‘Concerning Trends’ in Retirement Now – https://www.kiplinger.com/retirement/concerning-trends-in-retirement-now

I’ve decided not to retire. Wait, let me clarify my statement.

I’ve not changed my mind about my decision not to retire five years ago.

I love double negative sentences.

 Fewer than twenty percent of older people worldwide enjoy a retirement pension that is enough for them to live off. Although countries like China and India are now also developing their pension systems, the prospect of most older people receiving pensions totaling 60 to 70% of their final salaries remains a long way off.

The invention of retirement – https://www.swisslife.com/en/home/blog/interview-matthieu-leimgruber.html

The majority of our friends are retired. I’m always asked when I’m going to retire. My quick answer was always “Don’t know”. I’ve since modified my response to “Two to four years”. This has been my answer for the past two years. Might still be my answer next year too.

https://www.kiplinger.com/retirement/retirement-planning/the-90-rule-of-retirement-live-long-and-prosper

Nearly 40% of Americans ages 55 and older were employed in 2024, according to the Bureau of Labor Statistics — a striking shift that’s even more dramatic when you look at the oldest workers. Today, 2.8 million men over 70 are working in the U.S. — part of an extraordinary long-term transformation in which employment among Americans 75 and older has quadrupled since 1964. More Americans are ‘unretiring’: 5 money factors to weigh before joining them – https://www.aol.com/finance/retirement-planning/article/unretiring-is-trending-5-money-factors-you-should-consider-first-153926242.html

I think I’ll retire in two to four years.

Scary Charts 10.11.25

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Here in the US not bad when compared to South Korea – https://www.statista.com/chart/4101/where-is-pensioner-poverty-the-most-prevalent/

Our World in Data compared causes of death in the United States against how much those causes are covered by the New York Times, Washington Post, and Fox News. The results are about what you would expect, based on coverage data from Media Cloud.

Rarer events, like homicide and drug overdose, are reported more heavily, whereas everyday causes, like cancer and heart disease, are reported less.

Another lesson in not believing everything you read – https://flowingdata.com/2025/10/08/mortality-in-the-news-vs-what-we-usually-die-from/

Antidepressant Prescriptions Increase 130% for Teenage Girls

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The increasing rate of mental health disorders among children and adolescents is a concerning trend that has been observed for several decades, with survey studies revealing dramatic increases in anxiety, depression, and suicidal ideation.1 In the United States, suicide ranks as the second leading cause of death for those aged 10 to 19 years and the third leading cause of death for those aged 15 to 24 years.2 Antidepressant Prescriptions and Mental Health – https://publications.aap.org/pediatrics/article/153/3/e2023064677/196661/Antidepressant-Prescriptions-and-Mental-Health

Between January 2016 and December 2022, the monthly antidepressant dispensing rate increased 66.3%, from 2575.9 to 4284.8. Before March 2020, this rate increased by 17.0 per month (95% confidence interval: 15.2 to 18.8). The COVID-19 outbreak was not associated with a level change but was associated with a slope increase of 10.8 per month (95% confidence interval: 4.9 to 16.7). The monthly antidepressant dispensing rate increased 63.5% faster from March 2020 onwards compared with beforehand. In subgroup analyses, this rate increased 129.6% and 56.5% faster from March 2020 onwards compared with beforehand among females aged 12 to 17 years and 18 to 25 years, respectively. In contrast, the outbreak was associated with a level decrease among males aged 12 to 17 years and was not associated with a level or slope change among males aged 18 to 25 years. Antidepressant Dispensing to US Adolescents and Young Adults: 2016–2022 – https://publications.aap.org/pediatrics/article/153/3/e2023064245/196655/Antidepressant-Dispensing-to-US-Adolescents-and?autologincheck=redirected

Between 2020 and 2022, antidepressant prescriptions for girls aged 12-17 skyrocketed by 130%. Antidepressants Increase 130% for Teen Girls, Drop 7% For Boys – https://brownstone.org/articles/antidepressants-increase-130-for-teen-girls-drop-7-for-boys/

Yikes.

Some Common Sense on Artificial Intellignce

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If you’re using these systems for anything that matters, you need a verification pass that goes way beyond a lazy skim. That means detail-oriented human work — you must check every claim, every diagram, every link, every word, every line of code, every outcome and citation and fact. And who’s best positioned to verify? The very people who are already good at whatever the AI is trying to do: the workers it’s supposed to replace.

Doctors can check medical claims. Senior programmers can check AI coding outputs. Strong copywriters can check that whatever GPT writes sings — they know a good turn of phrase when they read it and can make sure each paragraph flows from the one before it.

That’s the biggest irony of AI work. If you’re not already good at the task it’s doing, you can’t tell if what it generates is good. You don’t have the knowledge or the context. If you don’t know French, then you don’t know if a French translation sounds clunky or if you just told someone to eat shit in your new commercial because of new slang that sounds like the phrase you translated. No, AI won’t take all the jobs. Here’s why. – https://www.freethink.com/artificial-intelligence/ai-wont-take-all-the-jobs

The full essay is worth reading. Enjoy!

Scary Charts – 09.13.25

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Interestingly, older workers (65+) earn around $3,000 more than those in the 25 to 34 bracket, reflecting a group of late-career professionals who continue to command strong wages. Charted: Median U.S. Salaries by Age Group https://www.visualcapitalist.com/charted-median-u-s-salaries-by-age-group/

Late-career professional. There seem to be a lot more of us now.

Three in four workers (75 percent) plan to work for pay in retirement, compared with just 29 percent of retirees who report they have actually worked for pay in retirement. In fact, the RCS has consistently found that workers are far more likely to plan to work for pay in retirement than retirees are to have actually done so. 2025 Retirement Confidence Survey – https://www.ebri.org/retirement/retirement-confidence-survey

But if you’re working for pay in retirement how can this be considered retirement?

Source: https://www.axios.com/2025/09/11/trump-tariffs-grocery-prices-rise-cpi

FYI, the BLS statistics are BS. Real world eyeball prices at the market tell me so.

Like coffee. Coffee prices in the US has surged more than 20% in the last year.

US coffee prices surge as tariffs take effect – https://www.semafor.com/article/09/12/2025/us-coffee-prices-surge-as-tariffs-take-effect

Ooh…not just coffee.

Here’s the inflation breakdown for August 2025 — in one chart – https://www.cnbc.com/2025/09/11/inflation-breakdown-for-august-2025.html

I guess I’ll keep working in “retirement”.

Couples Share More Than We Realize

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The latest study, published in Nature Human Behaviour today, used data from more than 14.8 million people in Taiwan, Denmark and Sweden. It examined the proportion of people in those couples who had one of nine psychiatric disorders: schizophrenia, bipolar disorder, depression, anxiety, attention-deficit hyperactivity disorder, autism, obsessive–compulsive disorder (OCD), substance-use disorder and anorexia nervosa…

The team found that when one partner was diagnosed with one of the nine conditions, the other was significantly more likely to be diagnosed with the same or another psychiatric condition. Spouses were more likely to have the same conditions than to have different ones, says co-author Chun Chieh Fan, a population and genetics researcher at the Laureate Institute for Brain Research in Tulsa, Oklahoma.

Spouses tend to share psychiatric disorders – https://www.nature.com/articles/d41586-025-02772-8

Yikes.

Alpha-gal Syndrome – Update 09.08.25

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If one of these tiny creatures bites you…

Congrats on going vegan.

Alpha-gal syndrome (AGS) is an emerging, tick bite–associated allergic condition characterized by a potentially life-threatening immunoglobulin E (IgE)–mediated hypersensitivity to galactose-alpha-1,3-galactose (alpha-gal), an oligosaccharide found in most nonprimate mammalian meat and products derived from these mammals. Specific symptoms and severity of AGS vary among persons, and no treatment or cure is currently available. During 2010–2018, more than 34,000 suspected cases of AGS were identified in the United States, but current knowledge of where cases occur is limited.

Citation: Thompson JM, Carpenter A, Kersh GJ, Wachs T, Commins SP, Salzer JS. Geographic Distribution of Suspected Alpha-gal Syndrome Cases — United States, January 2017–December 2022. MMWR Morb Mortal Wkly Rep 2023;72:815–820. DOI: http://dx.doi.org/10.15585/mmwr.mm7230a2.

At least these things are mostly in the eastern portion of Oklahoma.

Fact sheet – https://www.cdc.gov/ticks/alpha-gal/resources/alpha-gal-syndrome-factsheet.html

Update

In 2020, two people tested positive for alpha-gal at Martha’s Vineyard Hospital, hospital spokesperson Gregory Mathis said. In 2024, that number rose to 523. Results for this year aren’t available yet. Why more people on Martha’s Vineyard are turning vegan – https://www.capecodtimes.com/story/news/healthcare/2025/09/04/ticks-marthas-vineyard-ma-vegan-alpha-gal-lone-star-red-meat-allergy/85944313007/

Yikes.

Not Just For Allergic Rhinitis Anymore

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A common hay fever nasal spray was found to cut COVID-19 infections by two-thirds in a clinical trial, while also reducing rhinovirus cases. Researchers believe it could serve as an easy, low-cost preventive measure, pending further studies. Saarland University. “Common allergy spray slashes COVID-19 risk in surprising trial.” ScienceDaily. http://www.sciencedaily.com/releases/2025/09/250907024535.htm (accessed September 7, 2025).

For Robert Bals, the results suggest practical applications: ‘Azelastine nasal spray could provide an additional easily accessible prophylactic to complement existing protective measures, especially for vulnerable groups, during periods of high infection rates, or before travelling.’ But Professor Bals also stressed the importance of further research: ‘Our results highlight the need for larger, multicentre trials to continue exploring the use of azelastine nasal sprays as an on-demand preventive treatment, and to examine its potential effectiveness against other respiratory pathogens.’

Link to the Jama article – https://jamanetwork.com/journals/jamainternalmedicine/fullarticle/2838335 Azelastine Nasal Spray for Prevention of SARS-CoV-2 Infections

Work Until You Die – Scary Charts 09.07.25

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It is a common misconception that prices come down when inflation cools, when in reality a period of high inflation leaves a legacy of high prices. According to the Bureau of Labor Statistics, U.S. consumer prices have increased 22.7 percent since January 2021, with some categories seeing even steeper price increases than that. Food prices have are up 25 percent, rents have increased almost 27 percent and transportation prices are up 28 percent. And yet, nominal wages have only grown 21.8 percent since January 2021, leaving many people worse off than they were almost five years ago. Cost of Living Is the Biggest Challenge Americans Face https://www.statista.com/chart/35054/biggest-challenges-faced-by-americans/

Retirement Savings Survey: 50% of people don’t think it’s realistic for the average American to expect to retire comfortably – https://wallethub.com/blog/retirement-savings-survey/133047

The second survey is small with just over 200 respondents. The methodology statement is vague so it’s hard to tell if the findings are truly representative of a larger population.

Maybe the survey got an overwhelming number of pessimists.

Then again, maybe not.

Yikes.