Without Savings Boomers Totally and Completely Screwed [with a few exceptions]

As everyone this age already knows, life is not exactly a joyride in the absence of cash.

You look down the road and there’s nothing to see but a tunnel and a light because there is nothing else.

http://www.fool.com/investing/general/2015/06/07/baby-boomers-face-it-if-youre-not-rich-now-youll-n.aspx

As everyone by now knows, the most important thing in the world is health followed closely by money.

The rest can wait.

According to Vanguard’s How America Saves 2014, which provides statistics about the more than 3 million people who have a defined contribution retirement plan managed by Vanguard, the median 401(k) balance for those over 55 was less than $75,000 in 2013:

How

Please explain to me how the hell you’re going to hang out in Cabo or Aspen without a large career income or passive income from investments?

You’re not.

You’re going to stay home with your cats and hope your death is swift and painless because the rest isn’t worth the journey.

TWO EXCEPTIONS

1] Yogis

2] Tenured University Professors

In the first case, the senior yogi may live in a tree, but women in his classes find his acetic existence and peaceful vibe an extraordinarily attractive alternative to the wolves of Wall Street.

So he can expect to get laid by beautiful women who don’t care what he doesn’t have until they do, at which time they go back to the wolves for another round.

Tenured university professors make a couple hundred grand a year, never lose their jobs, get Summers off, and hold the destinies of their students in their hands.

It kinda’ sells itself.

The only problem is that most women at ivy league schools envision large homes in nice neighborhoods, expensive cars, private schools for their kids, and at least 3 vacations a year.

Needless to say, his salary won’t cut that, nor will his eventual savings which are destined for social security support.

So we’re back to square one.

With this as a backdrop, how exactly do Baby Boomers acquire enough capital to retire comfortably without robbing the Federal Reserve or winning a slip and fall against Kroger?

First, they have to have something of value to sell that offers windfall potential.

What about their homes?

Yea, I’m laughing because homeowners between age 50 and 65 are most likely to carry a mortgage.

The percentage rose from 60% in 1992 to more than 70% by 2010.

What about saving more money?

For guys 50 and older looking at potentially 20 more years of putting whatever away, if you can invest an extra $5,000 per year for the next 15 years, you would have an extra $146,000 at age 65:

Returns

If you can leave it alone until 70, you could have approximately $220,000 in added net worth based on historical stock market averages.

But what kind of life are we looking at here?

Most people in better neighborhoods spend $200,000 in 6 months just maintaining their lifestyles.

You’ll be watching every single solitary bill, praying your roof doesn’t leak, and clipping coupons while annoying the people in line behind you at Whole Foods.

You’re better off dead.

The sad truth of the matter is that your priorities were ass-backwards back in your 20’s when you thought you were immortal because you could nail dates at the drop of a hat even if you couldn’t afford to take them to Jack-In-The-Box.

It didn’t take long to notice that no matter what you looked like all the wealthy older men were taking your girlfriends to the Bahamas for the weekend.

Then it dawned on you that youth and beauty only work for highly-precisioned gold-diggers of exceptional beauty; actors, models and entertainers with the wings of angels; and singers like Robert Plant.

And since you couldn’t find a niche for yourself in any of the above, you were screwed.

After all, what’s the point in getting old if you can’t afford to enjoy it?

People are always talking about people pursuing things they love.

But understand that love is always secondary to common sense.

If piano tuning does not pave the way for millions in an investment account by age 50, do something you hate.

You’ll love yourself in the end.

POSTSCRIPT

For you older men of average means who have daughters of exceptional beauty, please explain to them how to leverage what they do have in exchange for everything you don’t so you can piggy-back on their success.

You’re welcome.

~~~

A FEW TRUTHS ABOUT MONEY

1] Lots of money won’t make you happy, but not enough of it will make you miserable.

2] One million dollar homes in large cities are often tear downs situated in up and coming neighborhoods.

3] 250k/ year is considered upper middle class.

4] When politicians talk about raising taxes on “millionaires and billionaires” they’re including everyone who falls in #3.

5] The average 0ne bedroom suite at a luxury hotel property is $1000/night and everything else is a la carte.

6] Dining out in a big city usually costs $200 on up with wine and tip.

7] The average luxury automobile starts in the $80,000 range.

8] Whole Foods bills usually run 20k-30k/year with wine.

9] Luxury handbags usually run $2000, and women’s shoes, $500-1000 which you’ll need to keep in mind if you happen to live with a woman.

10] First Class airfare from Houston to Los Angeles is in the $1200 to $1400 range. Double it if you’re taking your girlfriend.

How Success Changes Middle Aged Men

Male Grooming Arnold Ferrier Photo Bill Morton

http://www.dailymail.co.uk/femail/article-2893083/Would-let-husband-shave-chest-growing-trend-middle-aged-men-wives-say.html

As you will note in the article [above], chest shaving has become commonplace.

It’s also one of many manifestations of what many middle-aged men do once they have achieved a considerable measure of success.

Without that one element [success], there is no rationale for self-idolatry.

~~~

I know this guy in the restaurant business.

When he started out, it was all humility; dressing down, shaking hands, strung out in the quest for relevance.

Then over time and a lot of hard work, his efforts paid off.

He became the proud co-owner of a successful string of hip urban bistro’s with lots of national notice.

Eventually, like others of new-found success, he upgraded his car, his home…his lifestyle.

But something else happened as well: He changed his appearance. All of it.

His once thin frame now boasts long, lean muscle wrapped in a bronze glaze.

His chest, arms, back and legs are completely shaven.

His clothing went from $16 Haynes 100% cotton Tees to $180 John Varvatos V-Neck Jersey Knits.

His Timex “Ironman” was replaced with an assortment of bracelets of various materials and designs; the accouterments of celebrities, rock stars…and wealthy older men who don’t have to care what you think of them, which is how you know they’ve “arrived.”

Gone are the days of the obligatory handshake with a smile.

That’s also been upgraded to a certain vibe of self-righteous aloofness suggestive of someone who now resents how much ass they had to kiss to get to where they are, and now its payback time.

~~~

Without success, older men fade.

They don’t have the fuel to propel change.

In this sense, success is like a transfusion.

While average people adapt to circumstances and resign themselves to an average existence, successful tend to men stand out in crowds.

Even those who practice humility cannot hide the lining of confidence that follows them wherever they go.

In a way, they’re like beacons of hope in an otherwise paralyzing existential nightmare.

And people wonder why The Kardashians are America’s first family.

On Health and Fitness, Boomers Enter Uncharted Waters [music to the ears of our physicians]

When you’re 21, nobody tells you what you can, or can’t – or, probably shouldn’t – do.

At 60, nobody has the vaguest idea.

~~~

Upon the referral of a medical acquaintance at my health club, I went in to see a new Internist.

By the way, I already have a couple of internists, but I figure 3 is better than 2 and so on.

“He’ll take good care of you” I was assured.

In other words, he was someone who would understand my situation.

In the parlance of older men like me, understanding my situation roughly translates, “Understanding the psychopathology of older men living life like there’s no tomorrow, because, as a practical matter, there isn’t.”

Obviously, this is not literal. But in the context of what men think of “living,” a few years down the road is the opposite.

It’s really kind of Buddhist, but since we don’t live like Buddhists the allusion only works at cocktail functions after about two hours of drinking and fudging accomplishments.

Back to the Internist, I enter the plush setting situated at ground zero of an uber-expensive zip code, and am handed a few pages to sign that have everything to do with money and nothing whatsoever to do with health.

“I _______ agree to pay Internist $500/Hour for consultation, or prorated increments thereof.”

Furthermore, “I_______ understand that insurance is not accepted, except in the case of blood work, in which case insurer shall cover the cost of such services.”

Okay, so I wanted personalized service from a new Internist who would be available to me on an as-needed basis, still unfortunately this would still be at the $500/hour rate.

In many cases, you pay an annual fee for “concierge service,” but this takes it to the next level.

Most people would take one look at this paperwork and walk out the door. But to guys like me who want medical care and advice the way we want prompt room service, we pay through the teeth for it.

After a conversation about life, love and the pursuit of immortality, my bill for the visit was $645, which after all did include the drawing of blood.

I used a Visa, btw.

All of this brings me to my point, which is older men have no idea what to do – or, for that matter, what to expect – where optimal health and fitness are concerned.

The reason for this is that there are no established baselines, which is precisely because there has never been a generation like this one in the history of mankind.

1] We live longer than ever before, so, like, what the hell are we going to do with all the time?

2] We expect more from life – and our bodies – since we’re going to be around a while.

3] Many of us can afford better service, and since we’re no longer 25, we won’t sit in the back of the bus anymore [something not lost on those who send us bills].

4] Many of us are divorced and dating women half our age, which throws a whole new level of confusion into the mix.

5] Mid Life Crisis is something most driven, successful men experience at 10 times the rate of men who are happy with an outdoor grill and wife who loves them for who they are.

So like I said, no baselines.

If I walk into a gym and start to feeling fatigued after 30 minutes of cardio, is it because I’m old, or that I’m on the verge of a stroke?

Do I need to push my body harder so that I can handle more physical stress, or am I already at my threshold?

If I were 18 my high school coach would throw me against a wall for hurling in the middle of practice.

Now they dial 911.

If my blood work looks good, am I green-lighted to workout like I did in college, or is blood work coupled with age mitigating?

I have no idea, frankly.

This is one reason I pay so much for medical advice.

When I was young people like me didn’t exist.

Now we’re everywhere and none of us have the vaguest idea how to navigate this new terrain.

Some guys try hormone replacement.

Others visit plastic surgeons.

A wealthy few try stem cell therapy.

The rest rely on psychiatrists.

But we all understand that the party won’t go on forever no matter what we do, which never stops us from trying.

Jon Stewart on “Relevance Waning”

http://www.etonline.com/awards/emmys/172325_jon_stewart_makes_promise_final_daily_show_emmy_speech/

“To everybody on television, I just want to tell you, cling to it as long as you can,” Stewart advised onstage. “Like death, like in the Titanic. Cling to it!”

Stewart admitted that his time away from TV hasn’t been easy.

“I’ve been off of television for six weeks, seven weeks, whatever it is, this is the first applause I’ve heard. It is a barren wasteland out there,” Stewart deadpanned.

~~~

I write a lot about “relevance” in the context of older men, and how the lack of it is akin to surgical castration.

Nobody – and I mean, NOBODY! – I gives that up without a fight.

When it’s gone, the fallout is always in the news:

Retired athlete now a drug addict; baron of business blows his brains out when risk trumps reward; once-famous actor fades into oblivion under a street lamp in the dead of night with a needle in his arm.

What keeps successful men alive is R E L E V A N C E.

Donald Trump once stated, “…there is nothing more voracious than this man’s hunger for wealth, fame and power,” and after being exposed to many such men in my life, the statement couldn’t be more true.

With this in mind, Stewart isn’t going anywhere.

He misses the applause, the notoriety, the power in a way similar to addicts when on the precipice of withdrawal.

It’s intoxicating.

Ask any retired rock musician what he misses most and the first sentence out of his mouth is “I miss my fans.”

I have a friend who is in various businesses, but the one he loves most is music.

When he’s on stage, he is someone else – infused with life, happy.

When it’s over, he goes back to the other guy, the one who’s a bit resigned, frustrated, bittersweet, sensitive, mildly depressed.

Once you’re on stage there’s no where else to go, particularly when you’re Stewart’s age with decades ahead of you … to do what? Fish?

There are men who’ve made fortunes many times over and are happy to live in relative obscurity with their riches and anonymity.

In fact, many claim to prefer this to fame of any kind.

But the vast majority of them still need some place to hang a shingle, whether it’s starting a charitable foundation, writing books, lecturing, or buying gold-diggers.

Without purpose, we’re nothing more than a memory with a large bank account, which is never big enough to fill in all the empty spaces.

Nothing fills the void when you feel like you no longer matter, even when you do to everyone, but yourself.

No wonder famous rock musicians continue to tour long after the money’s made, – and talk show hosts go on set, night after night, to the sound of their bands, famous guests and high Arbitron ratings.

The moment they walk away, they fade from relevance and time does what it always does.

As an older man who has done a lot with his life, I can personally attest to the fact that people like me don’t lie down for long because an idle life is, indeed, a “barren wasteland.”

We all need a purpose, and for Jon, it’s DEFINITELY another show.

How Much Boomers [REALLY] Need to Ditch Their Day Jobs and Follow Their Dreams?

Table #1

Starting out this discussion with lifespan projections is already a bummer, but don’t worry. It gets worse.

Table #2

If you’re a Baby Boomer [51-68 yrs of age] making 300k/yr, a 60-year-old will need approximately 11.7 times that amount properly invested in order to realize the same income – and that’s assuming market conditions are stable. They’re not.

So let’s get real.

As I state in my book, “Urban Dystrophy,” on Amazon, a starter portfolio starts at around $5,000,000.

The reason I say this is because most guys I know like to do things like date beautiful women [or men], travel, dine out, and buy cool shit – all of which cost money. Lots of it.

None of this is a problem if your day job is bringing in 300k and your retirement money is – for the most part – rolled back into your portfolio.

But what if there is no day job and you’re living off of passive income alone [investments]?

Now the numbers have to change drastically, because in order to earn 300k on a 3.5 mil portfolio, you’ll have to be either an investment genius or selling crack on the side.

In my world [i.e., urban, educated, worldly, sophisticated – probably entitled], you’ll need approximately $7.5 mil to live a very nice – but not extravagant – lifestyle without having to worry about spending it all.

~~~

$7.5 million dollars is a lot of money.

Most guys making $600k/year for 25 years don’t have anywhere close to that amount invested.

Hell, most guys making a 1 million a year for 25 years don’t have that amount in savings.

How is this possible?

Easy.

On a 1 million dollar a year salary, you walk home with approximately $600k, or $50k/month, net-net.

If you own a $2 million dollar home, which is considered normal in these circles, you’re paying $50-$60k in annual property taxes alone on a 30-year house note of $1.5 million [after a 500k down payment], which lands you in the $10k/month range – excluding everything that goes into running a house, like utilities, repairs, and so on.

Add a second home somewhere in the mountains [a small place], a wife, two kids in private schools, and a couple of exotic vacations a year and you have about 150k left to invest, if you’re disciplined.

At the end of 25 years, you will have saved approximately $3,750,000 plus whatever your portfolio has generated over that time period, which most people place at about 8% /year [on good years].

Weird, huh?

And you thought everyone had at least $20 mil in the bank.

~~~

With $7.5 million well invested, you can comfortably take out 500k/yr, enough to live a great life without worries.

This doesn’t mean you can run out an buy yachts, travel in private jets, or buy a big place in Aspen.

But you can own a $2 mil home, put two cars in the driveway, shop at Whole Foods, and stay in 5-star hotel properties suites accompanied by reasonably well-equipped gold-diggers who might also love you for who you are, though most gold-diggers with the capacity to feel actual human emotions usually start in the $10 mil range.

No Road-Map for the Middle Aged Outlier

When you’re 20, everyone has an answer.

When you’re 3 times that, no one has the vaguest idea.

~~~

Generally speaking, life is like a TV show.

You start out with a murder, followed by an investigation, followed by a conclusion, where the bad guy is caught and justice is served.

For our purposes here, let’s focus our attention on the investigation, where we try and figure out which direction to turn in the absence of solid leads.

If you’re in that 55-64 demographic, you know exactly what I mean.

It’s a weird place [think Devil’s Crossroads] where the pavement hits the dirt and you’re on your own.

Every decision feels like a skate over thin ice because everything matters 10 times more than it did when youth was like a high-density shock absorber.

EXAMPLES

1] You can eat this, but probably not that.

2] You can exercise, but not so hard that you stroke out.

3] You may need a mini-aspirin every day for life insurance, but it may also give you bleeding ulcers.

4] You should probably take mountains of vitamins, but nobody has any idea whether or not it’s necessary with a disciplined diet.

But what constitutes a ‘disciplined diet’ when your body is constantly under assault from everything that came before?

~~~

When I have a physical, the doctor tells me I’m fine.

What he doesn’t tell me is that I am fine for my age.

He may intimate that my blood work looks like that of someone half my age, but this doesn’t give me license to act like it.

TRANSLATION: “Keep doing what you’re doing, and be happy you’re not facing hip and shoulder replacements, herniated discs or arthritis like most people your age…”

That’s a tough pill to swallow, but everything’s relative.

Almost everything I do I not supposed to be doing, but because it hasn’t killed me, I keep doing it.

With this in mind, here are 3 life tenets I live by.

They’ve helped guide me through thick and thin and I’m still here to tell the tale:

1] “To Thine Own Self Be True…”

Yea, Shakespeare got it right.

So did Aristotle…“Criticism is something you can easily avoid by saying nothing, doing nothing, being nothing.”

The first thing I’ve learned as I’ve gotten older is that burying things you feel strongly about is toxic.

You have to believe in yourself and be willing to place yourself in the line of fire for your convictions.

If no one ever did this, there would be little great art, music or literature, to name just three.

Life is not a popularity contest. It’s about standing for something, and not abandoning it when the blow-back begins.

This is what tests the meddle of a person’s life.

It elicits respect from all people who know that taking strong positions on anything is tough, particularly as a species that seeks safety and security above all else.

Tough decisions are the bane of every winner.

2] Athletics are not just for the young.

You think you’re too old to throw a Frisbee, swim 1000 yards in a pool, or perform a box jump?

If so, you probably are.

For everyone else, it’s open season.

Just because you’re no longer 20 doesn’t mean you can’t workout, and, in many cases, dust people half your age.

Life does not come with a manual that tell us what we can and can’t do at certain stages of life.

We do.

Going back to #1, if you don’t have the fire in your belly to take a stand for yourself, life will stand on top of you.

Take what your body will give you, and when it won’t give another inch, find another approach to the same challenge.

There are always work-a rounds.

If one joint is inflamed, find another way to perform an exercise that doesn’t hurt so that it can recover.

This is all academic. But so many older guys I know throw up the white flag.

The moment they do this, life takes twice its toll over the same course of time.

That’s also academic.

You get back what you put in.

3] Be good to the people close to you.

The people who stand by you are the ones you owe your life to.

They deserve your support and your love.

Going back to what I said about human beings seeking safety and security, just know that the entire world can be against you and those closest are enough to withstand the fire.

All we really need in life are people we can count on, who love us, and who have our backs when things get really tough.

Nurture those relationships and you’ll never lose a dime to nature even if it kills you.

~~~

I’ll leave you with this:

http://tinybuddha.com/blog/how-to-let-go-of-the-need-for-approval-to-start-thriving/

Rise of the “Kidult”

“Kidult” [Wiki]: In the early 21st century, there was reporting that for an adult to have interests traditionally expected only from children is not necessary an anomaly. The entertainment industry was quick to recognize the trend, and introduced a special category, “kidult,” of things marketable for kids and adults alike. Enormous successes of films such as Shrek and Harry Potter, of books traditionally targeted for teenagers and the fact that Disneyland is among the world’s top adult (without kids) vacation destinations seem to indicate that “kidulthood” is a rather mainstream phenomenon. And unlike puer aeternus, “rejuveniles” successfully marry adult responsibilities with non-adult interests. When Christopher Noxon appeared on The Colbert Report on June 29, 2006, he remarked that “There’s a big difference between childish and childlike”.

~~~

“Normal” people look at guys like me and wonder what happened?

“Is he ever going to grow up?”

“Why is he not out-of-shape?”

“Why doesn’t he have an age-appropriate girlfriend? Is he intimidated by women his own age?”

“Is the young woman in his home a gold-digger, or did her father not love her enough?”

“Why doesn’t he have children?”

“Is he too selfish, narcissistic and self-absorbed to share his life with others?”

“Why doesn’t he dress more conservatively like other men his age?”

“Why does he dress like that?”

“Why doesn’t he think like we do?”

“Why is he trying to be 20 all over again?”

Oh lord, I could go on…

~~~

To be perfectly honest with you, I have always been this way.

For one thing, I have always been my own man.

I worked for myself, set my own schedule, led my own life.

All I had to do was be good at what I did, treat my clients well, and pay a CPA to keep me out of jail.

After a while the freedom and independence this afforded me became part of my identity.

The lifestyle made me more resilient, self-reliant. Those acquired attributes are just part of the process of independence.

And while it hasn’t always been easy, the pay-off covered the periodic turbulence–10-fold.

To all the men my age who continue to live life as fully–and intensely–as we did back in the day, congratulations.

You’ve officially earned a legion of haters who wish they had the balls to have done exactly the same thing.

It takes courage to grow up and become who you really are.

~ e.e. cummings

~~~

For more reading on this topic, the following article by Robert Firestone Ph.D. is illuminating.

https://www.psychologytoday.com/blog/the-human-experience/201306/six-aspects-being-adult

~~~

FURTHER SUGGESTED READING

http://bigthink.com/errors-we-live-by/the-death-of-adulthood-rise-of-kidults

~~~

Typical habitat of the “Kidult.”

Mine…

Obesity Rates Soar, But Not In My “World”

Generally speaking, this is a fat-assed nation.

http://www.washingtonpost.com/news/to-your-health/wp/2015/06/22/americas-getting-even-fatter-startling-growth-in-obesity-over-past-20-years/?postshare=3281435059917189

But it’s not the nation I spend my time around.

Most women I know are smart enough to see the correlation between good looks and nicer neighborhoods.

No wonder they all look alike.

Gold-Digger’s Guide to Building Nest Eggs

Holly Madison
Holly Madison Hand Print Ceremony at Planet Hollywood Restaurant at The Forum Shops at Caesars Palace Resort and Casino
Las Vegas, Nevada – 20.02.11
Mandatory Credit: Judy Eddy/WENN.com

Quite clearly, Holly Madison hails from generational wealth and pedigree, and therefore, has no financial motive to date Hugh Hefner.

[…excuse me, I’m choking on the previous sentence…]

Okay, I’ll restate it:

Quite clearly, not every woman wants to pull 60-hour work weeks at #Hooters and still live in a suburban apartment.

Better?

The press from hef’s perspective is below:

http://www.foxnews.com/entertainment/2015/06/22/hugh-hefner-says-holly-madison-rewriting-history-to-stay-in-spotlight/

~~~

In my world, women like Holly Madison are everywhere.

You kinda get used to seeing them lurking on the perimeter like pilot fish; an annoyance to sharks, but in the human population, a necessary part of the cultural ecosystem.

Note: When something of value exists, there are usually takers willing to exploit opportunity [in this case] under the pretext of love or whatever.

Long story short, she became one of Hef’s girls after being noticed in one of her many “modeling” endeavors.

Then, after many visits, she became his “1 girl” and proceeded to move her things into his bedroom.

During the course of her stay she underwent rhinoplasty and breast augmentation, I assume to cement her position in the Hefner food chain.

She also had a Playboy bunny tattooed on her lower back, and insured her breasts for $1 million [backup, I assume].

In short, Ms. Madison’s lifestyle choices reveal what homicide detectives would refer to as a reliable profile.

~~~

Many older women I know have been through two or three marriages, usually to the same men everyone else marries two or three times.

They get a car [paid for], a severance [one-time payout usually tied to blackmail innuendo], and sometimes, a house [also paid for].

If the sum total of the nest egg isn’t enough to cover expenses, they get back in shape and make another run.

It’s no different than people who move to a different company for better stock options and a more comprehensive dental plan.

The next guy in line buys her a bigger diamond she can pawn down the road.

He might also buy her a more expensive car that she can sell back to a dealership for quick cash.

She can also leverage legal documents in her favor in the event of a divorce.

“In the event that you pick another girl, I get $1 million wire transferred into a blind checking account. Sign here:”

And, of course, for women who manage to nail the whale…children!

If she has children with him [a price many are willing to pay], she’s in the driver’s seat for life.

Understand this is business.

Think of these men as bad businessmen in the context of “love” if it makes you feel better.

Perhaps they should have stayed with the average suburban wife.

But they wanted more and paid the price for a game they were unprepared to win.

Fyi, blindsiding successful businessmen is child’s play in the hands of a seasoned predator.

CEO heads company with tens of thousands of employees and gets taken to the cleaners by high-school dropout with a street degree in survival.

“Part of me suspects that I’m a loser, and the other part of me thinks I’m God Almighty.”
― John Lennon

~~~

What gold-diggers bring to the table [and why affluent older men will often go to the ends of the earth to have them in their lives]:

1] Preternatural physiques.

For the typical 50-60-something man, this is not what his age appropriate wife looks like. This is what he wants his age-appropriate wife to look like. If for whatever reason [age included], she does not, he will often find himself unable to resist the intoxicating allure of his personal trainer.

2] Sexuality of the Devil’s Crossroads kind.

Again, I rarely hear about eroticism in the context of a 20-year marriage. And while I’m sure it exists to one degree or another, it doesn’t look like this. If it did, gold-diggers would be out of business.

3] Youth and Beauty.

This is what a man wants to see in the morning, not a reminder of his own mortality.

This is what staring into the abyss and having it stare right back looks like.

4] Self-Esteem.

It has been demonstrated time and time again that men who partner with beautiful young women experience a commensurate boost in self-esteem. Men who stay with their lifelong partners usually have a mistress in order to stay faithful to their marriages.

5] Relevance

Couch it any way you want, but the fact remains that an older man’s greatest fear is becoming physically irrelevant. Coupling with a younger woman is a shot of adrenalin for a man who’s used to being in the saddle.

SUMMARY

I certainly do not pretend to speak for every successful older man, but what I can tell you, unequivocally, is that nothing charges the blood more than youth and beauty…no matter what the cost.

Just ask Madonna.

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