This 70-year-old retiree just graduated med school. He has this advice for others — https://www.cnn.com/2024/09/07/asia/older-medical-school-graduate-intl-hnk/index.html
I briefly considered medical school when I was in my 20’s. I never considered medical school when I was in my 60’s. Wonderful story. A very impressive human being.
Quotes are taken from summaries of three different studies. Source: Statins, Vitamin D, and Exercise in Older Adults – Medscape – July 26, 2024. https://www.medscape.com/s/viewarticle/statins-vitamin-d-and-exercise-older-adults.
On a personal level I’ve been taking a low dose statin forever, 100 IU Vitamin D3 and a multivitamin daily, need to move more, Fexofenadine prn, and still not a vegan or drive an EV.
The study found that among older adults aged 75-84, initiation of statin therapy led to a 1.2% risk reduction in major CVD over a 5-year period. For older adults aged 85 and greater, initiation of statins had an even larger impact, leading to a 4.4% risk reduction in major CVD over a 5-year period. The study found that there was no significant difference in adverse effects including myopathy or liver dysfunction in both age groups.
For older adults aged 75 or greater, empiric vitamin D supplementation is recommended because of the possible reduction of risk in all-cause mortality in this population. Of note, this was a grade 2 recommendation by the panel, indicating that the benefits of the treatment probably outweigh the risks. The panel stated that vitamin D supplementation could be delivered through fortified foods, multivitamins with vitamin D, or as a separate vitamin D supplement.
The study found that participants who were more sedentary were less likely to age healthfully, with each additional 2 hours of TV watching per day associated with a 12% reduction in likelihood of healthy aging. Light physical activity was associated with a significant increase in healthy aging, with a 6% increase in the likelihood of healthy aging for each additional 2 hours of light activity. Each additional 1 hour of moderate to vigorous activity was associated with a 14% increase in the likelihood of healthy aging. These findings support discussions with patients that behavior change, even in small increments, can be beneficial in healthy aging.
Many people don’t realize that both men and women develop an increased sensitivity and a decreased tolerance to alcohol as they get older. It’s important to pay attention to this issue because research has shown that alcohol use has been increasing among people ages 65 and older in recent years—and the size of the older adult population is expanding rapidly now that people are living longer, notes George Koob, a neuroscientist and director of the National Institute on Alcohol Abuse and Alcoholism. “People are largely unaware of the physiological changes [related to aging] that lead to higher blood alcohol levels and bigger impairments in behavior and cognition.” Why your alcohol tolerance diminishes as you age — https://www.nationalgeographic.com/science/article/alcohol-age-tolerance?rid=BA5F7BEC25AE320E1B6791799E955700&cmpid=org=ngp::mc=crm-email::src=ngp::cmp=editorial::add=Health_20240702
Yes I am sipping some bourbon as I write this post.
Why do you ask?
On a serious note, good article with plenty of links for more information. READ IT.
The workplace is evolving, too, with businesses increasingly seeking the experience and wisdom of senior talent. Currently, 19% of adults 65 and older are employed, compared to 11% in 1987, according to Pew Research. Moreover, individuals aged 65 and older constitute the most rapidly expanding group within the labor force. By 2032, it’s expected that one in every four U.S. workers will be 55 or older, with nearly one in 10 being 65 or older, showcasing the growing presence of seniors in the workplace.
Boomers are defying age norms and you are losing out – https://www.fastcompany.com/91116274/boomers-are-defying-age-norms-and-you-are-losing-out
I am finally on the cutting edge of something.
Group-based trajectory modeling identified four groups of distinct occupational cognitive demands according to the degree of routine tasks in the participants occupations during their 30s, 40s, 50s and 60s. The researchers analyzed the link between these trajectory groups and clinically diagnosed MCI and dementia in participants in the HUNT4 70+ Study (2017-19). Additionally, the researchers accounted for important dementia risk factors such as age, gender, educational level, income, overall health, and lifestyle habits from assessments made in 1984-86 and 1995-97. Within age groupings the researchers looked at such occupations as primary school teacher, salesperson, nurse and caregiver, office cleaner, civil engineer, and mechanic, among others.
After adjusting for age, sex, and education, the group with low occupational cognitive demands (the high RTI group) had a 37 percent higher risk of dementia compared to the group with high occupational cognitive demands. Occupations That Are Cognitively Stimulating May Be Protective Against Later-life Dementia — https://www.publichealth.columbia.edu/news/occupations-are-cognitively-stimulating-may-be-protective-against-later-life-dementia
Link to the study abstract – https://www.neurology.org/doi/10.1212/WNL.0000000000209353
I hope my spouse doesn’t read this or she’ll never let me retire.
When a psychology professor in Michigan looked through his data on interpersonal conflict a decade ago, he discovered something unexpected. The study, which examined differences across cultures and age groups, seemed to show Americans got wiser as they got older. Richard Nisbett was used to research showing poorer mental skills among elderly adults, but his work found they were better at recognizing multiple perspectives, encouraging compromise, and acknowledging the limits of their own knowledge.
Perhaps, he reasoned, navigating conflict got better with age because it was such a specific, experience-based skill. Working memory, which stores short-term facts like newly learned names, may decline but, as people get older, they inevitably accrue more knowledge from having navigated similar situations throughout their lives. Now 82 years old, Nisbett recognizes the improvement in himself. “I’ve noticed situations to avoid, comments not to make, and the importance of apology,” he said.
Presidential age debate obscures a simple fact: Some cognitive skills improve as we get older — https://www.statnews.com/2024/02/22/presidential-election-age-debate-some-cognitive-skills-improve-with-age/
I was going to post this yesterday but I forgot.
A very astute reader asked a very simple question: Why is this scary? So I went back and looked at my post. I thought I had completed the post but obviously not. The chart lacked context. So here’s the rest of the post I thought I posted. Welcome to my Senior Moment.
The relatively high labor force participation of Boomers may be beneficial both to them and the wider economy. Some retirement experts emphasize working longer as the key to a secure retirement, in part because the generosity of monthly Social Security benefits increases with each year claiming is postponed. For the economy as a whole, economic growth in part depends on labor force growth, and the Boomers staying in the work force bolsters the latter.
Baby Boomers are staying in the labor force at rates not seen in generations for people their age — https://www.pewresearch.org/short-reads/2019/07/24/baby-boomers-us-labor-force/
What I forgot to include in the post now follows.
After finishing and posting Even More Random Thoughts on Retirement – November 2023 something kept bugging me. So I thought about this for a while and uncovered what was bugging me. The following quote bugged me:
To ease the anxiety of retirement, consider delaying Social Security to get a larger monthly check and perhaps also purchasing immediate fixed annuities. I plan to do both.
What We Lose — https://humbledollar.com/2023/08/what-we-lose
Specifically the part of the quote in bold bugged me. I thought to myself, nice plan. But how many people can afford to buy an immediate fixed annuity? I can’t. How many people actually defer Social Security until age 70 to maximize their monthly payments?
Well, get ready for the ugly. It’s Scary Chart time.
Answer: 4%
Why just 4%?
Answer: 97% of people who retired sooner than planned did so due to health and employment issues.
Source: https://www.transamericacenter.org/retirement-research/23rd-annual-retirement-survey
Some retirees get fabulous bull markets right when they leave the working world while some retire into the teeth of a bear market.
How The Market Shapes Your Portfolio — https://awealthofcommonsense.com/2023/11/how-your-market-shapes-your-portfolio/
And some retirees will leave the working world straight into a world of high inflation.
Just beyond the guests and beyond the hornbeam trees where I’ve strung fairy lights for the party, I think I can see my future. The grind of work is finally over, my retirement dream cued up. April in Paris! Reading by the sea! Spanish lessons in Antigua so I can better speak to my grandson. I’ll be playing with him, too, in the open-ended days my children rarely knew with me. I’m not saying I deserve a life of ease. But I worked hard to earn my retirement, dropping giant chunks of my salary into company and government pension plans throughout those forty years. It’s time for the famous social contract to hold up its end of the bargain and take care of me, the way it did my father before me, to deliver on the idea that retirement is my right after a life of work and the promise that I will have the time and means to enjoy it.
Except none of that happened. The year since my retirement party has not been a dreamy passage to a welcoming future but a nerve-shattering trip into the unknown. My debt is swelling like a broken ankle; my hard-won savings may or may not be sucked into the vortex of an international market collapse. Can I keep my house? Who knows? The macro-economy is messing with my micro-economy. The future keeps shape-shifting. And none of the careful planning I put into my retirement is going to change that.
The End of Retirement — https://thewalrus.ca/the-end-of-retirement/
So beware of statistics. The reason why more Baby Boomers are working is because they have to.
Thank you Ol Red Hair.
As if Medicare wasn’t confusing enough to begin with.
Retirement blues are “a dirty secret,” says Robert Delamontagne, PhD, author of The Retiring Mind. He had to go through his own adjustment when he retired in 2007. He says people are reluctant to talk openly about those struggles because it’s embarrassing. “People would ask me, ‘How’s retirement?’ I used to say, ‘It’s great! I’m having a great time!’ What was I supposed to say?” Once the newness wears off, you may start to question your new situation. “Will my money last?” “Will my health hold up?” “Am I being useful, or am I going to just play bridge and golf for the rest of my life?”
The Emotional Shock of Retirement — https://www.webmd.com/healthy-aging/features/emotional-shock-retirement?src=RSS_PUBLIC
Saturday 11/4
The strategy has achieved clarity. The Plan is a 3-5 year time-frame. The objective is to continue full time paid work then pursue part time paid work til death do us part. As a younger man I never envisioned this to be my desired life in retirement. But here we are.
Time is the most valuable asset I’m sacrificing for this strategy. Time to do whatever I please, whenever I like. Personal projects like my future best seller The Man Who Had No Hobbies will have a completion date further into the future. But the tradeoffs for me are worth it. Many times I’ve asked retired people how’s retirement? Too many times the answer is “I’m bored”. When you are younger, working your ass off, building a career, raising a family, the thought of retirement is seductive. The reality of retirement is different and nothing you could have imagined in your younger life.
No one talks about what we lose when we retire. Well, no one except Jonathan Clements the founder and editor of https://humbledollar.com/ Here’s his list:
Income. This is the most obvious loss, we all know it’s coming—and yet many folks are left anxious by the disappearance of their paycheck, even if they have ample savings. Moreover, with that paycheck gone, not only do we lose the ability to save, but also our financial life goes into reverse, with savings coming out of our nest egg instead of going in.
Given that, it’s hardly surprising that studies suggest retirees tend to be happier when they have ample predictable income, such as from a pension. Don’t have a pension? To ease the anxiety of retirement, consider delaying Social Security to get a larger monthly check and perhaps also purchasing immediate fixed annuities. I plan to do both.
What We Lose — https://humbledollar.com/2023/08/what-we-lose/
Read the full article at the link above. Especially if you are nearing retirement.
Well, that’s enough thinking about retirement for a Saturday morning. I have to mow the shade grass The Boss over seeded in the backyard. There’s college football today. I also need to get ready for dinner company tonight.
lifeunderwriter.net 
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