Survival strategies

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”.

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.

Would You Pay $700.00 a Month to Live in One of These?

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Brownstone, by virtue of renting cheaply in a city with sky-high prices and a dearth of new housing, has received thousands of applications for its $700-a-month pods over the past few years, Stallworth said. He thinks there’s at least “10,000 people probably interested in being in San Francisco at any time” and pointed to the tens of thousands of applications that Y Combinator, a local startup incubator, has received in recent years.(Startup founders make up a sizable share of the Mint Plaza building’s residents, Stallworth said.) Startup behind $700-a-month bed ‘pods’ wants to put 10,000 more in San Francisco – https://www.sfgate.com/tech/article/startup-bed-pods-san-francisco-21029460.php

I keep telling The Boss all I’m trying to do is to make our retirement income last as long as we last.

Rejected. Again.

How To Reduce Your Risk of Developing Diabetes

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The researchers, from 23 universities in Spain and Harvard Chan School, split 4,746 PREDIMED-Plus participants into an intervention group and a control group and followed their health outcomes for six years. The intervention group adhered to a Mediterranean diet; reduced their caloric intake by about 600 calories per day; engaged in moderate physical activity, such as brisk walking and strength and balance exercises; and received professional support for weight loss control. The control group adhered to a Mediterranean diet without calorie restriction, exercise guidance, or professional support. Participants ranged from age 55 to 75, were overweight or obese, and had metabolic syndrome, but were free of T2D at baseline.

The study found that those in the intervention group had a 31% lower risk of developing T2D compared to those in the control group. Additionally, the intervention group lost an average of 3.3 kilograms and reduced their waist circumference by 3.6 centimeters, compared to 0.6 kilograms and 0.3 centimeters in the control group. Scientists found 3 simple tweaks that cut diabetes risk by 31% – https://www.sciencedaily.com/releases/2025/08/250829022835.htm Harvard T.H. Chan School of Public Health. ScienceDaily. http://www.sciencedaily.com/releases/2025/08/250829022835.htm (accessed August 29, 2025).

Guess I’ll cut out beer.

Random Thoughts on Retirement and Longevity – Can Remote Work Delay Retirement?

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The mortality impact is interesting

The Journal of Epidemiology and Community Health found that those who worked just a year beyond retirement age had a 9% to 11% lower risk of dying during the 18 years the research covered, regardless of health. Could Remote Work Delay Your Retirement? – https://www.kiplinger.com/retirement/retirement-planning/could-remote-work-delay-your-retirement

If you only eat “superfoods” will you have a long life?

“There is no single secret to living a long, healthy life.” Salvatore Di Somma, MD. Sanford Burnham Prebys. “A long and ongoing look at the secrets of human longevity and healthy aging.” ScienceDaily – https://www.sciencedaily.com/releases/2025/05/250505171023.htm

Coffee

All coffee types decrease the risk of adverse clinical outcomes in chronic liver disease: a UK Biobank study

Kennedy, O.J., Fallowfield, J.A., Poole, R. et al. BMC Public Health 21, 970 (2021) – https://bmcpublichealth.biomedcentral.com/articles/10.1186/s12889-021-10991

Movement is medicine

Being consistently physically active in adulthood is linked to a 30–40% lower risk of death from any cause in later life, while upping levels from below those recommended for health is still associated with a 20–25% lower risk, finds a pooled data analysis of the available evidence, published online in the British Journal of Sports Medicine. It’s never too late: Just moving more could add years to your life — https://www.sciencedaily.com/releases/2025/07/250711224321.htm

Whiskey

University of California neurologist Claudia Kawas and her team have been studying the lifestyle habits of people who live until their 90s. The group has been researching people of this age group for some 15 years – and they have found that those who drank two units of alcohol every day were less likely to die prematurely.“I have no explanation for it, but I do firmly believe that modest drinking improves longevity,” Kawas said. – Whiskey makes you live a longer, healthier life — https://www.irishcentral.com/culture/food-drink/whiskey-live-longer-healthier

Loneliness

Now, however, new research is calling into question this long-held belief and, surprisingly, found that loneliness may not be quite the threat that we all once thought it was. In fact, the problem may be one of confusing cause and effect. The Surprising Truth About Loneliness and Longevity — https://www.kiplinger.com/retirement/the-surprising-truth-about-loneliness-and-longevity

Loneliness is pervasive in home care settings across the 3 countries; however, its association with mortality differs from reports for the general population. Loneliness was not associated with an increased risk of death after adjusting for health-related covariates. The causal order between changes in health, loneliness, and mortality is unclear. For example, loneliness may be a consequence of those health changes rather than their cause. Cross-National Evidence on Risk of Death Associated with Loneliness: A Survival Analysis of 1-Year All-Cause Mortality among Older Adult Home Care Recipients in Canada, Finland, and Aotearoa | New Zealand — https://www.sciencedirect.com/science/article/pii/S152586102500204X

I’ve Been in Physical Therapy For Over Three Months

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Less is more.

We’ve turned the idea of “exercise” into something so loaded these days, only to be validated by a specific kind of intensity. Just uttering the word exercise now can ignite an all-or-nothing mindset, filled with protein obsessions, endless wearable fitness trackers, or even a costly membership to an elite wellness club. I Won’t Be Shamed — Physical Therapy Is Still Exercise – https://www.popsugar.com/fitness/physical-therapy-still-a-workout-49448831

I used to be a runner. Quite a few years ago my knees told me not to run anymore.

I joined the Y and did the elliptical and treadmills until my knees complained some more. I moved my exercise routine to the resistance machines. Then Covid hit, I cancelled my membership and the months turned into years away from the gym.

I found some resistance bands in the house and started some simple exercises at home. I rejoined the Y and started back with the resistance machines.

Earlier this year my employer offered access to online virtual physical therapy. I took advantage of this benefit from https://www.hingehealth.com/ and have been in physical therapy now for over three months. Less pain (especially my cervical spine, the result of a near fatal encounter with a car), less stiffness, better flexibility, and gradually improving strength. The beauty of the program is availability on demand and it is 100% HEP (home exercise program). Sessions are 10-12 minutes long and you don’t have to leave the house.

Less is more.

I’m Taking Your Phone Away (and you didn’t do anything wrong)

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The study found that those who had high and increasing addiction to mobile phones and social media platforms were at a higher risk of suicidal behaviors and thoughts. At year four, almost 18% of kids reported having suicidal thoughts, and 5% said they had suicidal behaviors. Teens with ‘addictive’ phone use more likely to be suicidal: Study – https://thehill.com/policy/healthcare/5360042-teens-addiction-social-media-phones-suicidal-thoughts/

Here’s the link to the JAMA article https://jamanetwork.com/journals/jama/article-abstract/2835481/

Yikes!

When People Did Not Have Access to Mobile Internet, they Spent More Time Socializing in Person, Exercising, and Being in Nature.

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https://www.harmonyhit.com/phone-screen-time-statistics/

Our results provide evidence that blocking mobile internet from smartphones for 2 weeks can produce significant improvements for SWB (subjective well being), mental health, and the objectively measured ability to sustain attention. Even those who did not fully comply with the intervention experienced significant, though more modest, improvements. These findings suggest that constant connection to the online world comes at a cost, since psychological functioning improves when this connection is reduced. Blocking mobile internet on smartphones improves sustained attention, mental health, and subjective well-being – PNAS Nexus, Volume 4, Issue 2, February 2025, pgaf017, https://doi.org/10.1093/pnasnexus/pgaf017

Excuse me please, I have to check my phone.