Memoir

When You Realize You Are Not Like The Others

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In reality, though, most workers don’t get to retire on their own terms. Retirement often arrives suddenly and unexpectedly, triggered by health setbacks or corporate downsizing.  And once you’re retired, returning to the workforce is seldom easy. Planning to work in retirement? Don’t count on it – https://www.usatoday.com/story/money/personalfinance/2026/06/20/most-americans-plan-to-work-in-retirement-few-actually-do/90603686007/

This is another post in the never ending series of random thoughts on retirement. For the curious, here’s a link to my previous posts full of random thoughts (brain droppings): https://lifeunderwriter.net/tag/retirement/.

I am writing this on Father’s Day, the fourth day of a four day weekend and I’m ready to go back to work. It’s tough being an Old Guy who is old enough to be retired but isn’t retired and still working. Some days I wonder why I’m not retired. I guess this is all part of my living a longer healthier life strategy.

Social connection, prosociality, spirituality, optimism, and work—growing evidence suggests these five factors can play an important role in improving the well-being of people and communities…Work is one of the most important—and neglected—social determinants of health, according to Lisa Berkman, Thomas D. Cabot Professor of Public Policy and of Epidemiology at Harvard Chan School and director of the Harvard Center for Population and Development Studies. “Work drives income, social ties, and the opportunity for meaningful participation in society,” she said. “As such, it also shapes both our cognitive and physical health in many different ways.” The importance of connections: Ways to live a longer, healthier life – https://hsph.harvard.edu/news/the-importance-of-connections-ways-to-live-a-longer-healthier-life/

The optimism factor is interesting.

“The findings are remarkably consistent,” she said. “Across different racial and ethnic populations, we have seen that people who are more optimistic are more likely to age in good health and less likely to suffer from chronic diseases, physical illness, or cognitive impairments in old age. Optimists are also more likely to live exceptionally longer lives, beyond age 85 or more.”

Aging Redefined: Cognitive and Physical Improvement with Positive Age Beliefs

Geriatrics–2026, 11(2), 28; https://doi.org/10.3390/geriatrics11020028

Abstract

Background/Objectives: A widespread assumption exists among scientists, health care providers, and the public that later life is a time of inevitable and universal cognitive and physical decline. This assumption is likely due to considering older persons who improve to be exceptions, and the reliance on aging-health measures that do not allow for improvement. In contrast, we utilized a measure that allowed for an upward trajectory to occur. Our objective was to examine whether a meaningful number of older persons improve with this measure and, if so, to examine whether a promising modifiable culture-based variable, positive age beliefs, contributes to this improvement. Methods: Individuals 65 years and older, who participated in a nationally representative longitudinal study, had their physical health assessed by walking speed and their cognitive health assessed by a global performance measure. We calculated the percentage of the sample that showed improvement in each domain from baseline to the last measurement up to 12 years later. We also examined whether a positive-age-belief measure predicted this improvement in regression models. Results: It was found that 45.15% of persons improved in cognitive and/or physical function over this period, and positive age beliefs predicted these two types of improvement, both with and without adjusting for relevant covariates. Conclusions: Our findings underscore the need to instill or magnify the positivity of age beliefs and to redefine aging so that it includes the possibility of improvement.

In sociology this phenomenon is known as a self-fulfilling prophecy.

Keep thinking positive thoughts!

Not Everyone Gets Lucky

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My interviews with Howard Marks, Chairman of Oaktree Capital, and famed for his “Chairman’s Memos,” were instructive.1 The first time he mentioned his good fortune, I pushed back, asking, “What about intelligence, hard work, and perseverance?”

His answer:

“Everybody in my MBA class at the University of Chicago was very smart and very hard working. But hard work and intelligence are mere table stakes. Not everybody has fortune smile on them; not everybody gets lucky.”


Serendipity: The Role of Luck in Your Life and Career – https://ritholtz.com/2026/06/recognize-the-role-of-luck-in-your-life-and-career/

The older you get you do develop a better understanding of luck and random events. Interesting article.

Not everyone gets lucky.

The Fear Shared By Most (Not Just Another Random Thought on Retirement)

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If there’s one thing Americans fear more than death, it might be outliving their savings. That’s one finding from an annual survey by the Allianz Center for the Future of Retirement. It found that 67% of Americans worry more about running out of money than death. Americans fear this retirement setback more than death – https://www.usatoday.com/story/money/2026/05/04/retirement-fears-outliving-savings/89897704007/

Yes dear reader, yet another post in the never ending series of random thoughts on retirement. For the curious, here’s a link to some previous posts https://lifeunderwriter.net/tag/retirement/. I am an Old Guy who is old enough to be retired but isn’t retired and still working. After many mornings spent in deep contemplation and many posts where I think out loud I’ve finally accepted my fate and come to a deeper understanding of why I do what I do.

I’ve spent a lifetime working in risk management. Finally, the light bulb came on.

I am actively managing my longevity risk. It’s what I do. I manage risks.

The majority of our friends are retired. I’m always asked when I’m going to retire. My answer was always “Don’t know”. I subsequently modified my response to “Two to four years”. This has been my answer for the past two years. But now when someone asks when I will retire, my answer will be:

I am managing my longevity risk. I am managing future inflation risk.

Imagine you retire at 65, feeling confident. You’ve budgeted $80,000 a year to live comfortably — travel, dining out, covering healthcare, the works.

Fast-forward 25 years.

At age 85, you’re still spending about $80,000 a year … but that no longer buys what it used to.

  • That nice dinner out that cost $100 now costs about $210
  • A $5,000 annual vacation is now closer to $10,500
  • Groceries that ran $10,000 a year are now over $21,000

In other words, your $80,000 lifestyle now costs roughly $168,000 to maintain.

But if your income hasn’t kept pace — if it’s still around $80,000 — your lifestyle has effectively been cut in half. Inflation Is the New Fixed Expense in Retirement https://www.kiplinger.com/retirement/retirement-planning/inflation-the-new-fixed-expense-in-retirement

Economist Teresa Ghilarducci is of the opinion working longer is not a plan but an illusion.

My colleagues Anthony Webb, Michael Papadopoulos and I called it an illusion. In paper The Illusory Benefits of Working Longer on Financial Preparedness for Retirement, we found that older workers with insufficient savings are routinely advised to delay retirement — but that this advice collides with the reality of what the labor market actually offers aging workers. 62-Year Old Works His Whole Life. He Has No Savings. He’s Not Unusual. – https://www.forbes.com/sites/teresaghilarducci/2026/05/21/62-year-old-works-his-whole-life-he-has-no-savings-hes-not-unusual/

Ghilarducci is spot on with her assessment. My plan on working longer wasn’t really a plan so much as it was a set of assumptions. Everything had to go as “planned” or forget about working longer. The two major variables were continued good health and finding an employer that values older workers.

I got lucky. My illusion is working (pun intended).

How To Reduce Your DM2 Risk 31%

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The results, published in Annals of Internal Medicine, were based on 4,746 adults between ages 55 and 75. All had overweight or obesity and metabolic syndrome, but none had diabetes or cardiovascular disease at the start of the study. Researchers followed participants for six years to see whether a more intensive Mediterranean based lifestyle plan could offer stronger protection against type 2 diabetes than the traditional Mediterranean diet alone.

One group followed a calorie reduced Mediterranean diet (about 600 kcal fewer per day), added moderate physical activity (brisk walking, strength and balance training), and received professional guidance. The comparison group followed a traditional Mediterranean diet without calorie restriction or exercise advice.

The difference between the two approaches was striking. Participants in the intervention group were 31% less likely to develop type 2 diabetes than those in the comparison group. Universidad de Navarra. “Scientists found a smarter Mediterranean diet that slashes diabetes risk by 31%.” ScienceDaily. https://www.sciencedaily.com/releases/2026/05/260519003103.htm (accessed May 23, 2026).

I just had my annual wellness check and got my lab results. All good except my fasting glucose.

Yikes. Memo to Self, get an A1C. Well, the very next day…

Doc says:

CMP (Comprehensive Metabolic Panel): Your creatinine (a measure related to kidney function) is low, and your blood sugar (glucose) is high; all other values are normal. This test checks how your kidneys and liver are working, your body salts, proteins, and blood sugar. Low creatinine can happen in people with less muscle and may be expected. The slightly high fasting blood sugar could indicate early changes in how your body handles sugar. Options include repeating the blood sugar test next visit.

I know my diet could be better. I know I should eat less, snack less and maybe, just maybe stop drinking beer. But also knowing my IFG is worsening I wondered if there was a diet (besides MedDiet) for IFG?

In recent years, low-calorie diets ranging from 800–1500 kcal/day have gained significant attention in managing type 2 diabetes8,16–19. Studies have shown that low-calorie diets can lead to remission and substantial improvements in cardiometabolic risk factors for a significant proportion of individuals with type 2 diabetes8,16–19. These diets are generally well-tolerated and safe, with only mild side effects reported. Table 1 summarizes the key low-calorie diet studies conducted in people with type 2 diabetes8,16–19. Studies implementing low-calorie diets over a 2–5 month period, primarily high in protein and low in fat, have resulted in a mean weight loss of 7–15 kg (8–15% of initial body weight). This level of weight loss was accompanied by a notable reduction in hepatic fat and improved hepatic insulin sensitivity and first-phase insulin secretion. As a result, fasting plasma glucose levels decreased significantly by 27.8 to 43.2 mg/dL. This suggests that low-calorie diets may also be effective for individuals with i-IFG, as they target the pathophysiological defects characterizing this prediabetes phenotype8,16–19. Figure 1 visually depicts the potential reversal of the twin cycle hypothesis through low-calorie diets in individuals with i-IFG. The twin cycle hypothesis20 postulates that chronic excess calorie intake results in increased accumulation of fat in the liver, leading to resistance against insulin’s suppression of hepatic glucose production. Additionally, excess liver fat increases lipid transportation to the pancreas, impairing β-cell function and further promoting hepatic glucose production. These self-reinforcing cycles between the liver and pancreas ultimately result  in the onset of hyperglycemia.

Low-calorie diets for people with isolated impaired fasting glucose – Commun Med (Lond) . 2024 Mar 1;4:35. doi: 10.1038/s43856-024-00466-2

The Plan

  • Eat less
  • Move more
  • Drink less beer

I like to keep things simple.

Optimize This!

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But the productivity gurus were child’s play compared to the rise of the biohacking movement that followed. Guys like Andrew Huberman and Bryan Johnson rose to fame in recent years with their strict diets, excessive supplementation, and elaborate morning routines. Science-backed exercise and nutrition advice became the name of the game. And there was no shortage of influencers to supply it. Optimizing Ourselves to Death – https://ofdollarsanddata.com/optimizing-ourselves-to-death/

You can’t optimize everything. Mistakes will be made and are part of life. Sub-optimal for whatever you are chasing will be the end result because perfection is impossible.

Tell yourself this is OK.

(Less Than) Random Thoughts on Retirement – 05.03.26

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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.

Scary Charts 04.17.26 (random thoughts on retirement and longevity risk)

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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.

More Random Thoughts on Retirement – 03.28.26

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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.

Benefits of Physical Activity in Older Adults

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Benefits of physical activity in older adults.

Longevity

The association between physical activity and mortality and morbidity is well established. A 2023 meta-analysis of large prospective studies that examined dose–response found that physical activity levels equivalent to the recommended 150 minutes per week of moderate physical activity reduced all-cause mortality by 31% compared with no physical activity.12 The authors used metabolic equivalent of task (MET), the ratio of work metabolic rate to resting metabolic rate. One MET is equivalent to the energy cost of sitting quietly. A 2019 systematic review and meta-analysis found that, among middle-aged and older adults (aged ≥ 40 yr), higher levels of total physical activity were associated with reduced risk of death in a dose–response relation, such that the most, second-most, and third-most active quartiles were associated with 0.47, 0.35, and 0.28 hazard ratios, respectively, compared with the least active quartile.13 According to a large 2019 observational study, resistance exercise is also associated with reduced mortality independent of aerobic exercise.14 Two 2022 meta-analyses found, respectively, that 60 minutes of resistance exercise per week is associated with a risk reduction of 27% in all-cause mortality15 and that muscle-strengthening activities for 30–60 minutes per week is associated with a 10%–20% reduction.16

Cardiorespiratory fitness and peak exercise capacity are associated with mortality. Peak exercise capacity is a better indicator of risk of death than established cardiovascular risk factors such as smoking, hypertension, and diabetes mellitus.17 A study examining cardiorespiratory fitness in older adults found dose-dependent reductions in mortality across all age groups (including participants aged 60–69, 70–79, and 80–95 yr).18 Substantial improvements (approximately 16%) in VO2max (an individual’s maximum rate of oxygen consumption, a strong indicator of mortality19) in older adults can occur with only 90 minutes of submaximal exercise per week over 16–20 weeks.20

Strength is also associated with reductions in all-cause mortality in older adults. A 2022 systematic review and meta-analysis found a linear inverse relation between handgrip strength and all-cause mortality up to sex-dependent thresholds (42 kg for men, 25 kg for women) in older adults.21 In their 2018 systematic review and meta-analysis, the authors found both handgrip and knee extension strength to be predictors of all-cause mortality in adults, with most of the studies examining adults older than 65 years.22 – Move more, age well: prescribing physical activity for older adults CMAJ January 27, 2025 197 (3) E59-E67; DOI: https://doi.org/10.1503/cmaj.231336

The Nutritional Challenges of Advanced Age

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The study focused exclusively on adults 80 and older, a group with very different dietary requirements than younger adults. As people age, the body goes through significant physiological changes. Energy expenditure decreases, and losses in muscle mass, bone density, and appetite are common. Together, these changes increase the risk of malnutrition and frailty.

Most evidence for the health benefits of diets that exclude meat comes from studies of younger adults rather than frail older populations. Some research suggests older non-meat eaters face a higher risk of fractures due to lower calcium and protein intake.

In later life, nutritional priorities shift. Rather than focusing on preventing long-term diseases, the goal becomes maintaining muscle mass, preventing weight loss and ensuring every mouthful delivers plenty of nutrients. Study finds vegetarians over 80 less likely to reach 100 -The Conversation. https://www.sciencedaily.com/releases/2026/02/260225081214.htm “Study finds vegetarians over 80 less likely to reach 100.” ScienceDaily. (accessed February 27, 2026).

Story Source:

Materials provided by The Conversation. Original written by Chloe Casey, Lecturer in Nutrition and Behaviour, Bournemouth University. Note: Content may be edited for style and length.