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Why? After 40 your body starts to decline and your mortality stares you in the face. If you aren't already running a successful business or an executive then your career is either stalling or in decline. If you haven't been planning for retirement then you're running out of options.

45-54 seems like the age group that's burdened most with their future and the consequences of their life choices catching up to them.

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> the consequences of their life choices catching up to them

That's a bit harsh. If you are a post baby boomer, you're in the minority if you think you can retire comfortably. I frankly don't see how the majority of gen-x/millennials can retire - except to not have kids and save >50% of our salary, and pray the stock market doesn't blow up.

A absolutely agree with you and I'm a little confused as to why I said it like that. I'm old enough to have been part of the generation that was taught you'd be successful in life and be able to retire in comfort if you did what society expected of you, and I'm young enough to see that was a lie.

Wonder if there's a spike in giant, probably-indefinitely-recurring medical bills right around that time.

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