What people can do in their 30 40 or 50 0 MASTERY

On a Friday in 2012 was walking home from my coworking space, carrying two laptops. My load was unbalanced. Right outside my elevator I tripped. One of the laptops landed on my arm.

The pain was intense and my arm felt strange. But, I figured it was no big deal. I’ve fallen before. I’ve had injuries.

On Sunday I woke up and saw my arm had turned black. Not just black and blue. Solid black.

So I pondered what to do. At that time I was in an HMO plan so I figured I’d call my assigned doctor’s office. A pleasant-voiced doctor on call said, “It should be seen. Call tomorrow for an appointment.” Let’s call her Dr. Smiley.

When I got to the office, Dr. Smiley turned out to be a young, well-dressed Asian. She wasn’t interested in my arm. She tried to talk me into getting “bloodwork.” As I sat before her, with my arm a solid black, she pushed hard for a bone density scan. She asked how many cups of coffee I drank in a day. She asked about problems with earwax.

I hadn’t been to a doctor for years and wasn’t at all prepared for these questions. I did, however, refuse bloodwork and tests. Something didn’t seem right. I work in marketing and I know a sales pitch when I hear one.

When I finally got to the x-ray (where I should have been referred the day before), the tech chatted cheerfully. He asked me to wait and came out into the waiting room looking frazzled. “I’m calling the radiologist,” he said.

About fifteen minutes later, he returned. “You can go home now,” he said. By now it was dinnertime. They sent me home with no instructions. I went to my pottery class, where I was lifting things. I took the dog for a walk, pulling her leash as usual.

The next day a clerk from the doctor’s office left me a message saying my upper arm was fractured and I needed to see a specialist. The doctor called, not to give advice on how to take care of myself, but to sell me on coming in for a bone density scan.

What happened? I hadn’t mastered the formal and informal rules of the medical system. And I hadn’t studied up on tests and procedures that make up “preventive” medicine. I didn’t know that many experts believe bone density doesn’t predict likelihood of fractures, and that drugs intended to increase bone density have been reported as less than 3% effective. And I didn’t know that internists (also known as internal medicine specialists) have little or no training in the musculoskeletal system.

And, quite frankly, I wanted to believe in magic. I didn’t want the hassle of looking up information myself and making tough decisions, including decisions to change doctors. I didn’t want to do the tough work of mastery, which is the most important part of aging gracefully.

Mastery vs. Magic

All too often I see people approaching old age with one of two positions:

Magic: Believing you can trust a system, a person or an organization to prevent bad things from happening. As I write today, many doctors encourage us to believe in magic. And all too many people want to believe they can go to a Great Wizard for perfect advice.

We’re told that if you do certain things, you’ll ward off disease and even death. “Eat well and exercise,” we’re told. “Get annual screenings.” The doctor I saw in the opening story actually encouraged me to believe in magic.

Others place complete trust in a financial advisor, without bothering to check up on what they’re doing.

Fatalism is the opposite of magical thinking. It’s about believing you can’t do anything about your future so why bother.

Of course we can influence our futures, but not by doing magic.

Mastery means knowing how to do things and how to get things done. Mastery is what gives you confidence and lets you live life on your own terms. Sometimes you also need to add some moxie, the topic of the next chapter.

You may notice I’m not recommending a particular diet or exercise program to age gracefully. Nobody can. If you’re in your thirties or forties, and possibly in your fifties, anything I recommend today will be obsolete by the time you reach The Age. David Hatch, author of End Medical Reversal, says many screening tests we take for granted in the first two decades of the 21st century will be gone in another decade or two. So preparing for old age means learning how to learn and applying what you learn to whatever you experience in life.

Nor am I recommending a particular type of career path or investment strategy. In fact, I’m recommending you avoid leaving these decisions to the experts.

For one thing, your options and opportunities will be very different in the next ten or twenty years. Today’s seniors need to learn technology. Your learning requirements will be very different. But you can be sure of one thing: you will need to learn.

Learning to Learn: Your Most Important Skill

We all have different learning styles and you need to become familiar with your own style, as early as possible.

Are you a visual, auditory or kinesthetic learner?

I’m a combination of visual-kinesthetic. When learning new material, such as ancient history, I listen and take notes. Taking notes helps me focus and I remember more when I review my notes. I am, after all, a perpetual student.

But when I’m taking a pottery class, I don’t learn much from watching a demonstration. I learn by doing. I have to feel the clay and make the mistakes.

When it comes to exercise, I have a pretty lame kinesthetic memory. I walk away from an exercise class and can’t remember a single thing we did, even after attending the class for weeks. That’s why it took me forever to learn to drive a car, although eventually I mastered a five-on-the-floor stick shift. I learn an exercise routine after going to class a zillion times.

I’ve learned to compensate. When a trainer recommends an exercise, I ask to video him doing a demonstration or take detailed notes. If I go to physical therapy, I insist on diagrams.

Begin noticing how you learn so you can build on your strengths and avoid wasting money on programs and that don’t operate in your learning style. You can also learn to compensate for your less effective learning styles when your preferred style isn’t available.

Perhaps most important, when you understand your learning style, you will be able to stand up to stereotypes. You’ll recognize that you’re not having trouble because you’re getting old. You’re having trouble because you can’t use your preferred learning style.

What environments help you learn? Do you prefer formal classes or do you like to “just pick things up?”

Linda, in her late 50s, faced a steep learning curve when her job required her to learn spread sheet software. She balked. Her evaluations began heading south.

Linda kept fighting the system until she turned 60 and was offered early retirement. Linda’s boss undoubtedly jumped to the assumption, “Older people resist learning.”

But Linda’s friend gave me a clue. “They didn’t offer her classes!” she said. “They just insisted she learn.”

If Linda had been more aware of her learning style, she would have realized what was going on. She could have enrolled in a class on her own to learn what she needed. She lives in a large city with a community college and dozens of live training opportunities.

She could go further, choosing a class based on whether she wanted hands-on practice during the course (something I would want) or if she’s the type of learner who moves easily from observation to practice on her own.

Linda was also demonstrating a cohort effect, although she’d probably never heard the term.

Generations ago, when you wanted to learn how something worked, you consulted a manual. You could call customer service and gets one-to-one help.

When I set up my first online shopping cart as recently as 2002, I phoned the company. A tech rep courteously walked me through the set-up in minutes. Now, just a few years later, the company charges exorbitantly for telephone support.  Independent consultants charge upwards of $400 to give clients what the tech gave me for free.

Today’s generation resists formal training and manuals. They learn dynamically, searching online for exactly what they need to know.

This style of dynamic learning has become more than a preferred learning style. It’s a necessity because formal training often becomes obsolete very quickly. 

Back in the year 2000, I took a course in HTML – the language used to code websites – at a community college in Florida. Most of that training became outdated after less than ten years. Now, when I need to code something, I just do an online search for, “How to do X in HTML/CSS.” I know enough to interpret the code and adapt. And I do the same for Photoshop and other software.

In fact, the Internet world has changed even more dramatically since I drove to that evening class in Fort Lauderdale. Today I rarely use HTML because I use WordPress and other software. I still use Photoshop but I’m more likely to turn to Canva, an online free program that lets me create images quickly with almost no learning curve.

My 68-year-old dentist says, “Less than ten percent of what I studied at Harvard Dental School is applicable today. Ninety percent of my knowledge has been learned since I graduated.”

The Mastery Challenge

As you look forward 10 to 30 years, when you’re confronting issues of aging, be aware that you’ll be faced with knowledge that doesn’t exist today. You’ll undoubtedly need to learn new technology.

You might discover you’re learning in a style that hasn’t been identified yet. You’ll need to be aware when you have a clash of learning styles, not a clash of age and generation. And you’ll need to know what you need to keep learning throughout your lifetime.

So, what do you need to master while you’re in your 30s, 40s and 50s?

  • Critical Thinking
  • Decision Making and Choice.
  • Physical Activities that give you fitness and enjoyment. If you don’t enjoy doing them, you’ll feel tortured. And if you don’t spend time to achieve mastery, you won’t get maximum enjoyment.
  • Creative Activities that recharge your brain and are different from what you do for work.
  • Skills that help you make money.
  • Entrepreneurial mindset and practice.
  • Learning how to learn


Critical Thinking means you know how to assess information so you can make choices.

Once a medical technician, from the lofty perspective of her young millennial age, scoffed at me: “The Internet? There’s a lot of bad stuff on the Internet.”

She was obviously picking up on what she’d heard from her senior peers. But she was showing her own ignorance.

The problem isn’t with the Internet. It’s with our ability to evaluate sources and judge what’s likely to be solid information, versus buying into the latest quack salesmanship. When you read an article in a magazine, you need to question the quality of the magazine and the author. Is the author qualified? Does he work for a company with an interest in the topic under discussion? Does she seem to have an ax to grind?

You need that ability whether you’re on the Internet, facing someone wearing a white coat with an office wall of advanced degrees, or deciding who to support in an election campaign.

If you’re learning about the latest medical discovery, are you reading an article in a peer-reviewed medical journal? Or are you reading a tabloid? If you’re reading a book about medical invention, is the author affiliated with a reputable institution?

If you’re reading an article about the wonderful new opportunities for seniors to get jobs, does the author refer to published studies? Or does he use anecdotes that might be one-of-a-kind? Does she support an organization, such as AARP, which promotes an optimism that’s not always tied to reality?

For example, one of the worst career books I ever read and reviewed was The Dummies Guide To Get A Good Job After 50.

Critical thinking skills would alert you to be suspicious. You might suspect the book is biased when you see AARP’s endorsement on the cover. To attract members, AARP offers discounts for all sorts of travel and recreation. What kinds of people will respond to those inducements? What image of seniors does AARP want to promote? That’s AARP’s target market.

Critical thinking is a skill you can master. You can even take courses on line through Coursera or The Great Courses. Once you’ve learned to think critically, you can go anywhere to learn about whatever challenge you’re facing. You can search your library or talk to “experts.”

Most important, you learn what questions to ask when you’re dealing with advice. When you’re advised to buy a certain financial instrument, you actively search out criticisms so you can make a wise decision.  When your doctor advises you to take a certain test, you ask about the research behind the recommendation. In both cases, you question, “Does the person who’s advising me have a financial incentive to point me in one direction or another?”

The Ultimate Take-Charge Mastery Tool (Not As Bad As You Think)

If at all possible, arm yourself with an understanding of basic statistics, especially for health care information.

Forget what you’ve learned about statistics. Many college courses begin by deriving formulas filled with Greek letters. You don’t need those.

Start by listening to the online videos by Dr. Gilbert Welch, published on YouTube.  Learn to distinguish absolute vs relative differences in medical outcomes. If you can make change in the grocery store, you can learn how to do this.

You can find readable discussions in
Less Medicine, More Health by Dr. Gilbert Welch

Singled Out by Dr. Bella DePaulo
DePaulo, a sociologist, reviews the research on marriage and identifies significant flaws. You can use Chapter 3 of her book as a guide to understanding research in general.

Decision Making will become more problematic as time goes on – but not because you’re getting older. It’s because you are forced to make choices in areas where you have no experience.  You’re choosing among three or more options that didn’t exist five years ago…sometimes that didn’t exist even a year ago. Your challenge will be to develop your own personal decision system that you will apply when making choices in an arena that is new to you.

So you need a system to get the information you need, not just a path to information. You need to identify questions to ask and criteria for making a choice.

By way of analogy, if you’ve bought a car, you probably know how to choose your next one. You might ask about frequency of repair records for that particular model. You ask about gas mileage.

If you’ve bought a home, you know that roof replacement might be a disqualifier in most circumstances. You know how to choose a home inspector and why you need one.

But if you’ve never needed a particular kind of health service, you won’t have criteria for choice before you take action. If you’re exploring career paths, you need to know how to ask questions and where to get the best answers.

Often these decisions tend to be rare, so you can’t build on experience. It’s all about “learning to learn.”

For example:

(1) When forced to choose health insurance companies, I’ve found that insurance brokers save me money … but choosing an insurance broker is also a risky decision. Mine actually notified me of a way to switch to a plan to save $30 a month. I found him on Angie’s List.

Overall, I’ve found that online reviews tend to be more reliable than anything, even referrals from trusted sources. So that’s part of my decision strategy. But you have to decide what’s right for you.

(2) Many new businesses spend thousands of dollars on useless website development because they have never had to make those decisions before. Many web development companies have no qualms about charging thousands of dollars for add-ons their customers don’t need; a dog-walker who can barely turn on the computer was set up with an Adwords account. Some even charge for free services, such as getting a QR code.

(3) When I started working for myself on the Internet, I found lots of people who were eager to advise me for a hefty fee. I talked to people who claimed to be helped. I hired some. Nearly all turned out to be worthless; I actually got money back from some, because I was brave enough to ask. 

Eventually I wrote an ebook on guidelines for choosing a business mentor. It sells for $10 yet my audience has been reluctant to buy it. Perhaps they wanted to believe the hype – the magical thinking.  Or perhaps they didn’t realize the decision was complex and risky, requiring as much thought as purchasing a new car.

Medical decisions can be the most difficult because people feel helpless.

In his book Nonsense: The Power of Not Knowing, Jamie Holmes writes about the need to resist momentum when confronting a medical decision. He describes a woman who found a lump on her torso. Diagnosed with a rare form of cancer, she was ready to bow to the inevitability of painful, debilitating chemotherapy.

By sheer luck she was referred to a new oncologist who was more familiar with her rare disease. While waiting for her appointment, she went through her medical records. To her surprise, the lab reports used terms like, “most suspicious for…” and, “most consistent with…” Neither of her two lab reports seemed definitive. Her new oncologist ordered a new biopsy which revealed that she had no malignancy – no cancer at all, let alone this unusual form.

Later, this woman found a new growth. Her new doctor wants to refer her to a surgeon, but she says, “If I see a surgeon he’s just going to tell me I need surgery.” Her doctor agreed, prescribing three weeks of antibiotics. The new growth completely disappears.

Holmes quotes the JAMA Internal Medicine editors from 2011: “No test (not even a non-invasive one) is benign, and often less is more.”

Unless things change, doctors will keep offering and even pushing tests. It’s up to you to develop a decision-making strategy, even (or especially) if you’re labeled a patient.

Mastering Your Physical Body

In theory, we can decide what levels of fitness we want to achieve. In practice, we fall into a practice (or non-practice).

I didn’t make a conscious decision to be fit. I’d always been a wuss – the one who hid from gym classes since junior high. I never played sports. I was uncoordinated and some people even said I was “clumsy.”

The truth was, I didn’t know how to use my body. When I was growing up, ordinary people didn’t run races. Women went to places like Elaine Powers with the goal of weight loss, not fitness. Jane Fonda hadn’t come along to make exercise glamorous.

In my early 30s a friend dragged me to an exercise class in New York – something I’d never have done on my own.

My friend was a lawyer and a tough cookie. She even loaned me a leotard and tights, which is what we wore back then.

After one session, I was hooked. I went on to jazzercise and aerobics. I wish I could say they made me graceful and coordinated. They didn’t. But they did give me muscle tone and a higher level of fitness. And I am slightly more coordinated than I would be otherwise.

When I began going to gyms in my thirties, you wouldn’t see a woman in the weight room. In the 1990s I took a class on weight training for women. The idea was to get us more comfortable with lifting weights. Most of us hadn’t so much as touched a barbell.

I loved weight lifting and still do. I try to mix it up with dance, movement and lots of dog-walking. Now you see men in the dance classes and women in the weight rooms.

You probably get some health benefits from working out. There’s lots of disagreement on just what you get.

I heard a gerontologist on a television program say, “Exercise  is the single most important factor in aging – even more important than diet.”

A trainer at my gym said, “What you eat is much more important than how you work out.”

Susan Jacoby, in her book Never Say Die, dismisses the long-term effects of exercise. It might make you feel better, she says, but won’t keep you from a difficult death.

If you’re concerned about health benefits, use your Critical Thinking skills and do the research.

I’m biased. Exercise has been the only constant of my adult life. (OK, I also read murder mysteries, but I’ve been doing that since I was ten.) I’ve moved, changed careers, dabbled in ceramics and comedy, written, got bored with writing … and all this time I’ve held a gym membership and worked out faithfully, at least three times a week.

Because I’ve done it so long, I get a sense of mastery because I can walk into any gym, anywhere, and feel at home. When I visited Cairo, Egypt, I visited the hotel weight rooms. The equipment was familiar and the guys working there treated me with respect. Both women and men were working out.

The best part of working out comes on the rare occasions I see a doctor.

I ask my eye doctor: “So you see a lot of women my age in here?”
Eye doc: “Oh yes.”
Me: “Do most of them look like me?”
Eye doc: “No way.”
Me: “I bet I’m more fit than half the people in this office.”
Eye doc: “Only half?”

OK, I’m being a bit obnoxious. But doctors treat me better when they see I’m fit.

You may not want to develop mastery of your body the way I did. You may have genetic physical conditions that preclude exercise. You may prefer a totally different kind of exercise.

But if you’re reading this book in your 30s, 40s and 50s, don’t wait. If you’re not working out now, try different possibilities till you find one that fits. I’m not a doctor, but I’ve noticed that fit people do seem to age better. Women who work out seem to have less trouble with menopause and other medical issues, although I haven’t found supporting research.

A special note for women in the US:

Title IX came into effect in 1972. If you’re 50 in 2017, you were born in 1967 and you were 5 when Title IX was passed. You probably can’t remember a time when schools didn’t have athletic opportunities for women. You certainly don’t remember girls playing half-court basketball on six-person teams.

The WNBA started in 1996. I immediately became a fan, although I’d never shown the slightest interest in sports. As a younger woman, you probably take professional athletic opportunities entirely for granted.

Sure, the League has struggled with attendance. A lot of people don’t take it seriously. But when a woman has played on an intensive college or pro team, she’ll view the world differently. She’ll handle meetings with confidence. She’ll understand how to deal with tough bosses.

It doesn’t matter how you achieve mastery. But keep in mind that a 60-year-old with 20 years of working out will look and feel differently than a 60-year-old who’s just making the trek to the gym for the first time.

Personally, I would do two things differently:

  • incorporate stretching and balance into exercise routines
  • find a sport that you can continue at any age

You’ll find lots of aging swimmers, golfers, and hikers. I don’t do any of those things. You can probably get a good gym workout at any age, especially if you can hire a trainer. I’ll be finding out.

Opening Your Mind

I started meditating in my mid-thirties and kept it up for about twenty years. I still dip into a meditation session every so often. Back when I started, you could learn Transcendental Meditation for $75. The TM people set up a storefront in central Philadelphia, where I was beginning graduate school, and I figured, “Why not?”

It was a life-changer.

After exercise, meditation has been the most powerful influence on my life. In fact, without meditation, I might not have been as open to exercise.

Despite the jokes, research journals have documented the benefits of Transcendental Meditation (TM). My blood pressure has been fantastic, to the amazement (and annoyance) of doctors. My personality is still very New York; I’m not exactly the poster child for tranquility. But meditation changed everything about the way I live.

Back then, many educated people were getting involved. I remember hearing a Park Avenue psychoanalyst – complete with beret, pipe and accent – talking about the benefits he’d receive personally.

“I’ve been through three analyses,” he told an audience, holding up three fingers for emphasis. “Count ’em. Three. And I couldn’t forgive my mother. After six months of meditating, I noticed I wasn’t angry with her anymore.”

I, too, noticed that a lot of issues just went away when I started meditating. I still get angry. I still swear (especially at insurance companies and my dog who just chewed up my favorite earphones). But I’m much more in charge of my feelings and decisions.

Meditation worked beautifully for me, but I’m not recommending a particular style or even recommending that you meditate at all.

I do recommend that you pick up some mental health tools you can use on your own. It’s important to have those tools at your disposal and even more important to recognize what works for you and what doesn’t.

Some people really do well with psychotherapy or coaching. They feel better and function better. The downside is, you can’t do it alone and you need to keep paying. Then again, gym memberships aren’t free either. Some people continually go on meditation workshops.

Recently I learned about the Emotional Freedom Technique, EFT, or “tapping.” The idea is to tap on different parts of your body while making statements about issues or concerns. In many cases you can get immediate relief from problems, such as being annoyed with a difficult boss. Some people get over fear of flying. Some report being healed from physical and mental symptoms. You will find therapists incorporating EFT in their practices.

I’ve used EFT mainly on the rare occasions I have trouble falling asleep. A few taps and I’m gone.
To be fair I’ve never used EFT consistently over time. Many people I respect have reported strong benefits. Others dismiss EFT as voodoo.

If you’re interested, you can go online to learn more.

Some people turn to religion and prayer.

Choose what helps you function best. You’ll be saved from trying expensive techniques that don’t help you. And you’ll be happier longer.

Getting Creative

Become as proficient as possible in a pleasurable activity that’s not part of your job. Since writing has always been a major part of my work, I personally don’t get much creative juice from writing anything. But some writers do feel they’re turned loose on a playground when they switch from copywriting or tech writing to fiction.

You can choose just about anything. If you choose the arts, you can opt for photography, ceramics, painting, drawing, instrumental music, singing, dance … anything that gets your brain wired in new directions. You might like carpentry or gardening.  The key is to start early so you can enjoy your accomplishments and get genuine enjoyment from  whatever you do by the time you’re 60.

Learning something new can be fun, but it’s also frustrating. If you dabble in, say, ceramics when you’re in your thirties, you’ll be better able to dive in again when you reach your 60s.

Make your own rules. If you’re active in a competitive sport or just enjoy working out, this activity will become your creative outlet. If your ability to participate depends on physical assets of youth, though, you might decide to pick up a side hobby.

Let’s apply these skills to two areas – health and career.

For example, you’ll notice I don’t have a section on health.  Rather than health information, you need to start learning how to learn about health. What information is relevant? How do you sift through conflicting reports? How can you evaluate information critically, whether it comes from a doctor, an alternative medicine specialist or your next-door neighbor?

You’ll need to apply critical thinking skills to evaluate any information you receive.  You run huge risks if you simply follow your doctor’s advice. Unless the medical world changes drastically by the time you turn 60 or 70, you won’t enjoy a personal relationship with a doctor unless you pay for concierge medicine. Chances are you’ll get a busy doctor who’s considerably younger than you are. Doctors apply stereotypes as well as anyone else.


If you choose concierge medicine, or decide to find a doctor anywhere, you’ll need to know what to look for, what questions to ask, and where to get referrals. That’s all part of mastery.

(2) Doctors often give you recommendations based on the official party line, i.e., whatever they’re incentivized to do. So if you’re eighty years old and decide to take up smoking, your doctor might scold you about the health hazards; in reality, some experienced doctors have told me, if you start smoking late in life your longevity won’t be affected. You won’t have time to get lung cancer. If the guidelines call for cholesterol screenings and you’ve never had symptoms of heart disease, your doctor could recommend statins without advising you that many respected professionals question the importance of cholesterol in predicting heart attacks and also question the value of statins for people with no symptoms of heart disease.

(3) Your values probably aren’t the same as your doctor’s or hospital’s values. The medical establishment, as I write in the mid-teens of the twenty-first century, focuses on keeping you alive. If your life is saved by surgery, and you end up in an institution with limited mobility, where you can’t get out of bed or do any of the things that make life worthwhile, many doctors will consider your recovery a success. Keeping you alive but so severely impaired that you need assisted living or round-the-clock attendants? That’s a big success for doctors. You may not feel that way.

The truth is, a lot of what passes for conventional wisdom is not based on research. Some advice you’ll get from a white-coated MD in a mainstream hospital will actually be contrary to published research. For instance, many doctors recommend cardiograms to screen for heart disease, yet in the absence of symptoms, cardiograms have no predictive power. The false positive rate has been estimated as high as 80%. If 1000 people get  a positive result (i.e., “you have heart disease” message) following a cardiogram, up to 800 will be subjected to follow-up interventions they don’t need. Some of these interventions carry their own risks. Therefore, when you’re advised to get a cardiogram, and you have no symptoms of heart disease, you need to speak up. Should you refuse? I don’t know, but you need to make an informed decision.

Another example is CPR.  When you read about successes of CPR you read that the patients “survived.” But how did they survive? If you don’t get advanced life support in 8 minutes, according to some studies, you’ll be brain damaged. Many of us would rather have bystanders skip the CPR if the result means living with lifetime brain damage. If you’re hours away from a hospital, you might be better off with no CPR.

Again, don’t take my word for this. Google “CPR success.” You’ll become aware that CPR is very controversial. Many doctors and nurses shudder when they think of receiving CPR. Yet the CPR industry continues to grow. CPR is presented as something that’s uniformly good.

I’m presenting these examples not specifically to question the medical system, but to show why you need to do your own research and analysis. Some things you need to know are:

— The difference between a disease and risk factors for a disease
— The difference between absolute and relative risk
— The differences among prevention, early detection and risk reduction


Another area of mastery involves money and careers.

You can’t turn over a pot of money to a financial advisor and forget about it. Learn how to read statements and ask questions. And learn what is realistic for a portfolio.
One of my friends told me, “We have quite a lot of money – about a million in one account. I keep seeing losses and fees on every statement.”

I encouraged my friend to go talk to my own advisor, Gene, who’s totally realistic. When I told Gene the story, he said, “You won’t win big every year. Anyone who tells you that is showing off. But I would like to see the numbers and the fees.”

The best way to take charge of your finances – and your health – is to look at your career and plan how you can bring in money when you reach 60 and over. Many people no longer want to retire and do nothing. More and more of us plan to continue working well into our 70s. When you read about people who “aged well,” chances are they’re working at a career or they’re extremely passionate about an unpaid, creative activity, to the point where that activity becomes like an unpaid job.

Just as you need to interpret information about health care, you need to interpret advice about “careers after 50” and “careers after 60.”

Most of what you’ll read will be nonsense.

Lists of “best careers for seniors” includes some highly skilled fields, such as biomedical engineering, which call for considerable formal education. At the other extreme, you’ll be encouraged to seek jobs that pay $15 an hour or less, as I write this. The truth is, as you get older, you’ll have trouble being taken seriously in the workplace.

Forget the advice to “show you have technical skills.” Once you cross the threshold into “older,” it’s assumed that you love babies and hate computers. Even people who go through a hard-core code-writing boot camp often have trouble landing jobs if they’re over forty.

Frankly, crossing this threshold was the biggest shock for me as I grew older.  I never expected to stop working. I continue working out so I’m fit. I work online and build websites. I use social media. Yet when I attend networking events, I’m not asked, “What do you do?” I’m often asked, “So, are you retired?”

This is where mastery comes in. You need to ask careful questions and take charge of your career while you’re still in your 30s and 40s – certainly by your 50s.

Not all careers will be created equal. I’ve covered some of these points in the Money Section.

Bottom Line

If I had to pick the single most important component of preparing to age, it would be this one – Mastery. With Mastery, you can find ways to earn more money. You can be more effective at exercising choices and being your own advocate.

Yet another age stereotype of “careers after 50”

Baby Boomers Look to Senior Concierge Services to Raise Income – by Liz Moye https://nyti.ms/2qCqDA0

What I wrote to the Times:

As an aging Boomer I’m appalled by this article. The headline suggests that baby boomers could “raise income” by working as low-paid service workers.The rest of the article reinforces the stereotype of “seniors” as caring and nurturing people who are more concerned with doing good and leaving a legacy than earning money.

This stereotype encourages discriminatory attitudes among prospective employers and clients in the mainstream, profit-oriented business world. Not everyone wants to play a nurturing role, nor are many suited to perform these duties. Yet prospective employers, most authors of books about careers after 50, and even organizations like AARP, assume that seniors aren’t interested in demanding, competitive jobs with pay commensurate with their skills.

Additionally, the article suggests ghettoizing the elderly. The idea is that people of the same age will find a “social bond.” The NYT would never suggest that people will find a bond on the basis of race, ethnicity, religion or gender. Just being part of the same demographic doesn’t mean you have anything in common or even want to spend time together. .

Think of all the 70+ legislators and politicians who run this country. They’re not exceptional in physical or mental capability. They’re exceptional because they aren’t forced to walk away from meaningful, challenging jobs that bring them enough income to hire their own repair and transportation services. They have access to good medical care, not desperate doctors who force them into rounds of unnecessary tests and debilitating drugs. They’re taken seriously in conversation with people of all ages.

Get real.


Most Disgusting HashTag: “ElderlyBooks” Reinforces Stereotypes of Aging

For a while Twitter had a hash tag, #elderlybooks. The purpose apparently was to reinforce stereotypes of aging.
Fortunately, it seemed to disappear on its own. Some examples:

50 Shades of Gray Hair.
Cartoon of an older lady: “Tracking my cookies? They will never get my recipe!”

Charlotte’s Lack Of Understanding Of The Web

The Five People You Are Going To Meet In Heaven Very Soon

What to Expect When You’re Expiring

Tuesdays With Who?

“No Spouse, No Kids…Prepare to Age Alone”

Finally a mainstream publication recognizes that many in the aging population don’t have “the family” to care for them. It’s worth reading here.

It’s positioned in an upbeat way, suggesting that you can take control of your life in these circumstances.

Like most journalists, the author chooses the condescending term “elder orphans,” implying that those aging alone are helpless victims. The terms also invokes a touch of insulting humor, with the contrast of “elder” and “orphan.” An orphan is someone who has lost both parents.

Applied to any adult, the term seems irrelevant. It’s the absence of children and spouses that leaves the aging person with no source of help, yet exposed to considerable abuse, including abuse from mainstream medical professionals.

Additionally, the story ignores reality. It very difficult to find a proxy who’s willing to step up and who’s reliable, especially if you’re a “pull the plug” kind of person.

And it’s not that easy to stay connected. Age discrimination is social as well as economic. The elderly are considered irrelevant in our society.

But at least we are acknowledging that there IS a problem. That’s a good first step. Now we need to hear from more people who fear this situation.

Talking To Younger People About Growing Old

A reminder of aging comes at the treadmill in the gym. At 85, Robert Goldfarb notices the graphs for runners’ heart rate goes up to age 70 and stops. It’s a reminder that he is “now officially one of the old-old.” Writing for the The New York Times, his article Talking To Younger Men About Growing Old reminds us that a lot of the frustrations with aging come not from our bodies, but from the way we are defined totally by our age, not by any other factor.

At age 85, Goldfarb is a competitive runner. Yet airport employees come rushing over with wheelchairs and offers of early boarding. (Frankly, I’d take those offers even if I were 55…or 35.)

Goldfarb finds that men his own age don’t want to talk about aging. As he says, men of his generation “regarded feelings as something to be endured, not discussed… Men in my platoon didn’t embrace when we parted after serving in the Korean War. Closer than brothers, we settled for a handshake, knowing that’s what men did.”

What Goldfarb describes is a cohort effect, which many people confuse with an aging effect. We often associate aging with the behaviors of our parents or grandparents, forgetting that when we reach their age, we won’t be like them.

I look at the 30-somethings in my gym who participate in boot camp classes. These classes didn’t exist when I was their age. In particular, women just didn’t do the kinds of exercises we do in class, unless they joined the US Marine Corps (and maybe not even then). Thirty years from now, these totally fit women won’t be moving like their great-grandmothers.

If you want another example, we used to see little old ladies riding on the buses, all dressed up to go shopping. They’d carry a tiny shopping bag from a high-quality store – just one little bag, which suggested they were shopping just for something to do, and felt they had to buy something. They’d be wearing heels and hose, with full make-up.

I remember telling a Canadian colleague, “One day these women will be gone.”

“Where will Eaton’s be?” he teased, referring to a Canadian store that somewhat resembled Macys.

Today Eaton’s is gone and so are the old ladies. I ride the bus in gym shorts and see women of all ages in jeans, sweats and yes, shorts. They wear short sleeves with their bra straps showing, sandals and sneakers. They shop on the Internet and make friends on Facebook.

Cohort effects trump age a good deal of the time.