Riffing Off the Past: How Some Boomers Stay Relevant

Jan 18, 2009; Glendale, AZ, USA; NFL on FOX analyst Terry Bradshaw during the trophy presentation following the NFC Championship Game between the Philadelphia Eagles and the Arizona Cardinals at University of Phoenix Stadium. The Cardinals won the game 32-25 to advance to Super Bowl XLIII. Mandatory Credit: Chris Morrison-US PRESSWIRE [Via MerlinFTP Drop]

Mandatory Credit: Chris Morrison-US PRESSWIRE [Via MerlinFTP Drop]

If I were a famous retired pro athlete trying to figure out what to do with the rest of my life, I might consider a career in sportscasting.

I’d have immediate sponsorship interest, and therefore, a viable shot at chapter 2 of an already illustrious career.

I could also have a home life and time to travel, given the fact that sportscasting isn’t exactly a 9-5 job.

We see this all the time within the ranks of the rich and famous.

In fact, some say “once famous, always so.”

America loves underdogs, particularly those who’ve already climbed the mountain and are ready to do it all over again.

But what about a guy who was successful in something that didn’t earn him international fame, notoriety, and thus, cultural relevance?

His commodity value is now relative to what he did, not what he wants to do now that his career is, for all intents and purposes, over.

And people wonder why so many successful older men freak out.

I’ll elaborate…[and offer a few solutions].

~~~

The 45 to 64 group that makes up nearly half of all new startups in the country, increasing 19 percent since 1996. The older market has seen the most significant growth over the last 15 years.

But as we all know, starting up a new business isn’t a cakewalk for most.

For one thing, there’s FUNDING.

If you’re not famous, you’re less likely to have sponsors beating down the doors.

Adding fuel to the fire, you got your butt kicked in the downturn and are less willing to risk retirement savings on a new venture that’s by it’s very nature, risky.

The next issue is WORK-LIFE BALANCE.

Rigid schedules, family sacrifices…the realities of doing what you had to do at the beginning of the journey.

If you’re not Terry Bradshaw, you need to know that no one’s doing anything but you – probably 12 hours a day.

This dovetails nicely with the final issue: BOUNDARIES.

You may be good at one thing, but not something else…like managing people.

You could outsource, but that’s not cheap and you still have to oversee the work.

SUMMARY

If you’re not already rich and famous, get used to the IRS considering anything you do a hobby.

They’re not dumb.

They know you won’t risk more than you absolutely have to, and that after a certain point you see it as something you enjoy that also helps defray taxes.

This is why they assess a “hobby” tax on successful older people who try to start new businesses and then write off the losses.

No one in their right mind wouldn’t do this since so much money is already being spent trying to make something work.

From personal experience, all I can tell you is this:

1] If you’re not rich and famous and had a career that is still viable, try consulting.

I know lots of retired lawyers who do freelance consulting on the side.

All you need is a cellphone and list of contacts – not a brick and mortar structure filled with expensive equipment and people.

2] If you don’t mind breaking even, or operating at a slight loss, understand that eventually you will have to pay the IRS for your indulgences.

3] If you are rich and famous, do whatever the hell you want.

While you’ll still have to show up once in a while, you’ll still feel relevant.

Just ask Keith Richards.

Is Madonna Really Wearing a Mouthful of Grills?

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http://www.dailymail.co.uk/tvshowbiz/article-3336303/Madonna-sports-chic-fedora-bizarre-teeth-grills-enjoying-Spanish-Thanksgiving-lookalike-son-Rocco-duo-sport-hair-style.html

No one would accuse Madonna of being a slouch, resting on her laurels and so on…

She works incessantly, travels the world tour after tour after grueling tour.

But no matter how much Madonna tours, she is still 57, not 25.

Hello memo.

The harder she tries to be chronologically seamless, the farther away she lands.

Racing with the devil is a fool’s errand someone who loves her obviously neglected to mention.

Grills? Seriously?

If my 83-year-old mother wore grills, I’d have her committed.

But for Madonna, it’s an unintended tragic pantomime she can afford to ignore.

Delusion, after all, isn’t against the law.

But even Madonna can’t buy back the bad press.

Sadly, she’s become an embarrassment to the Baby Boom.

Not her accomplishments, not her work ethic, not her contribution to the world of Pop.

But everything else.

If my generation’s greatest fear is maintenance of personal dignity, Madonna is our crucible.

So again, it’s all about money, honey, delusion notwithstanding.

The Most Annoying People In The Gym […and a few good ones thrown in for good measure]

Old-Guy-LiftingI found this article on t-nation.com about gym etiquette amusing, so I thought I’d share it with you.

Most of it targets the behavior of all age demographics, so I’ve slightly twisted it in the direction of the Baby Boom.

Many are cliches pushed to the extreme, but many cliches are extreme without having to be pushed at all.

Here’s the article:

https://www.t-nation.com/powerful-words/10-most-annoying-people-in-the-gym

~~~

1] The Misplaced Crossfitter

After enough testosterone supplementation, many Baby Boomers – both men and women – re-emerge as adolescents and hit the gym like banshees, attempting complex exercises like box jumps and weighted wall balls they see performed by people half their age on Youtube. They attempt to perform them publicly as if no one will notice the sad realities of their efforts. I witnessed one 50-something guy jumping up and down like a Wallaby in what appeared to be a trance. When I asked him what he was doing he just smiled and hopped away. I discovered later on that he just received his first testosterone injections a week ago, and like someone stuck in Purgatory for 30 years, was euphoric over his discovery of a portal back to planet earth.

2] The Phone Zombie

Many older guys use gyms as workplaces. I’m still not convinced they aren’t suffering some psychiatric disability, the whole thing a pantomime played out using a dead phone. Relevance is found in some of the most unlikely places. Whatever the issue, they are certainly consistent, and therefore, memorable. In fact, offering even the vaguest description will elicit a knowing response. In deference to one man in particular, he is having an actual conversation with someone on the other end of the line, but he is so often on the phone that he is now clinically deaf.

3] The Newbie Steroid User

Most of these people begin a steroid regimen to drop body fat without having to spend hours in a gym. They also hope to revitalize their flagging sex lives which certain physicians’ promises of restoring them in exchange for $30,000 a year. Most of these people drop out of sight when their PSA levels rival the national debt and/or they lose a pile in a market downturn.

4] Just About Anyone Doing a Kettlebell Swing

Most older men have no idea what the hell they’re doing in the gym. Without help from a personal trainer, they are like cattle on the edge of a cliff in a hurricane. They’re painful to watch and there is always the temptation to offer guidance. But it has been my experience that guidance is often perceived as a kind of narcissistic wound to men of hubris and resources accustomed to people’s fear and respect in the workplace. Physicians who should know better are some of the worst offenders, as usual. I could get into the irony here.

One old dude threw a cable grip in my direction.

5] The Dumbbell Rack Blocker

I am guilty of this. There are times when I use one end of a dumbbell rack to perform single-arm pulls. But I am also aware of who’s around me. If I see someone lingering near the rack, I’ll move. The point is that many gym newbies [read: older guys who’ve spent their lives in offices and are now on gym floors at the insistence of their primary care physicians] are slow on the uptake, and even indignant towards anyone expecting them to budge.

6] The Bros

I work out around a bunch of older men and women who were – at one time or another – gym addicted. Most of us are now in recovery, but this still doesn’t stop us from spending two hours a day enabling one another. We make a lot of noise when the weights get heavy, but the experience is cathartic, and, in our minds, fine as long as we don’t technically kill anyone.

7] Mr. Octa Set

Some guys attempt to commandeer a 1000 square foot area of the gym in order to perform a particular routine. Most of them are the usual suspects: Affluent and entitled Boomers who are used to having things their way. Fortunately for people like myself, I am comfortable ignoring their boundaries and leading them back to therapy without much in the way of tact.

8] The Crappy Personal Trainer

At my health club there are a few personal trainers who spend more time discussing personal issues with their clients than training them. But this is not the fault of the trainer. When a client is will to pay $100 and hour of someone’s time, they run the show. Of course, the trainer can always fire the client, but it doesn’t make much financial sense as you can imagine. I do happen to know certain personal trainers who won’t train clients that aren’t serious, but I have found that they tend to work less hours.

9] The Talker

My gym caters to an affluent clientele, many of whom are trust fund babies who’ve never held a job, and therefore, have no concept of boundaries. The rest are either psychiatric outpatients or narcissists who’ve never seen a therapist.

10] The Creeper

True story: One day I was in the gym on the stretching mats when I noticed an older man with his junk on full display. A woman next to me happened to notice it at the same moment and immediately deflected her young daughter’s attention avoiding what would inevitably become full blown PTSD. Anyway, I’m not certain whether such men are exhibitionists or just plain senile. I can envision a police interrogation where the officers just shake their heads when the man starts babbling incoherently about the stock market when questioned about a sexually perverse act. Long story short, I reported the incident to the management and I’m told that he now wears undergarments.

 

Okay, so here are three of my own Pet Peeves:

 

 11] Old Ladies With Too Much Perfume

This one is self-explanatory, but thankfully easily remedied over a private discussion with management. I have, at times, felt almost enveloped in what smells like scented mustard gas as my lungs cry out for mercy at the handiwork of a mortician.

12] People Who Read Newspapers While Performing Leg Presses

At more upscale health clubs, this is a commonplace practice. The idea is to be in the gym as directed by one’s primary care physician while also getting a little of what the client wants, which is to not be there at all.

13] People With Antisocial Personality Disorder

Maybe it’s just me, but I see health clubs as urban ecosystems that run according to the sum of their constituent parts. Saying hello is not going to kill anyone. It’s common courtesy if nothing else in an environment filled with people you see every day.

With this in mind, there is one particularly cross older man with a distended midsection that he attempts to conceal with 5x t-shirts pregnant emblazoned with messages of anarchy. He never speaks, never blinks, and always stares straight ahead like a zombie zeroing in on a kill. This guy typifies APD and should be referred immediately to the nearest psychiatric facility. Thankfully, the only other people who come across even remotely this way are cross fitters who relish the outcast model.

 Okay, now for the most awesome people in the gym!

11] Elderly People

Older men and women who go to the gym religiously have the respect of everyone. I’ve never heard a single negative comment or complaint unless the person in question farts, in which case the whole age thing comes up.

12] The Quiet Beasts

Most bodybuilders I know are quiet beasts. They are men of few words [in the gym], focused, serious, and only cordial under duress. I don’t particularly like them [in the gym], but I do admire their determination.

13] Women Who Kick Ass

There is nothing more inspiring than women kicking ass next to us. Taking this a step further, I would prefer a gym filled with nothing but buff women in tights. I mean just for the inspiration and all.

14] Fat People

It’s hard to beat on a fat person when they’re in the gym trying to climb out of their bodies. It’s a Promethean task no one takes on unless their lives depend on it.

15] Injured and Disabled People

God bless these people for getting back into the world and fighting for their dignity. They’re a lesson to all of us to be thankful that a couple of inches off the waist is all we have to accomplish.

A FINAL COMMENT ON OLD PEOPLE IN THE GYM

Everyone understands the inherent grumpiness seen in the aged, but no one appreciates it. From a psychiatric perspective, you have to understand that many of these old men were once “somebody:” Heads of companies, surgeons, lawyers and so on. They had the respect of their peers and their community. No one questioned their validity, their relevance. This is why many men refuse to retire. The rest face a downhill slalom into invisibility and irrelevance and what you see in their sour demeanor is the loss of something they spent their lives building. I feel sorry for these men. While they go to the gym to stay physically relevant, they’re dead everywhere else.

Cantankerous Senior Syndrome [CSS]: Tough Talk to the Undead

0dbef4f2-9a57-44d4-9668-abadca21328bIf you’re a cantankerous old coot, stoop-shouldered, brittle and in competition with cyanide gas for personality of the year, I’m not surprised.

Chances are your career is in the rear-view mirror; your wife of 50 years no longer recognizes the fearless and inspired man she once married; and the creeping specter of invisibility and irrelevance shadow you like ghoul with a scythe.

I bring this up in response to a recent encounter at my health club with a member of the undead.

Note: The following is a true story and one well worth broaching with a psychiatrist should you happen to find allusions to your own psychopathology in any of it.

~~~

Courage and perseverance have a magical talisman, before which difficulties disappear and obstacles vanish into air.” John Quincy Adams

~~~

“Once upon a time …” Jacob Grimm

~~~

Subtlety is not one of my virtues.

But I am also not without compassion, empathy or remorse.

So while I’m not a particularly soft touch, I’m no sociopath.

To wit, the other day I found myself at the gym doing some lower back exercises when I noticed to my immediate left an older gentleman performing an exercise that, to be perfectly honest, defied explanation.

He was bent over at the waist holding two rubber grips, attempting to perform what I assumed to be bicep curls.

Mindful of the crusty and often paranoid nature of many such men, I made friendly inquiry into exactly what it was that he was trying to accomplish.

“Are you working your back?”

“No! I’m working my biceps as you can see!” he said with a huff.

I have to admit that I don’t do well in situations like these.

I was trying to be helpful and his response to me didn’t sit well.

Most people would take the hint and drop it, but I’m not most people.

I went in.

“You realize you’re working your back with those limited motion pulls, right? Your biceps aren’t even engaged.” 

With that, I thought the man was on the precipice of a seizure as his face turned a dark shade of scarlet.

“I teach physical therapy! I know exactly what I’m doing!!!” he yelled like a man at a Devil’s Crossroads.

“Really?” I went on.

“Then don’t you have the vaguest idea what you’re doing?”

He threw down the grips and stormed off back into his own Private Idaho, I assume.

What he failed to appreciate was the fact that I acknowledged him at all.

~~~

I bring this up because many older men die long before they’re technically declared dead by a coroner.

You can hear it in their voices, see it in their fading stature and presence, feel in the acerbic tone of their discourse.

Whatever once stood firm is not translucent, vaporous almost.

This man was no more than his late 60’s, and yet came across as a man dragged by his ears straight from Purgatory to endure another day of irrelevance in broad daylight.

Life does not have to be this way.

I know men 10 years his senior who stand tall, push hard, maintain relevance in every way.

They do not crumble under the pressure of years, but rather, they take stock of their blessings and carve them into lasting monuments that light the way for succeeding generations.

I have never heard a single criticism or missive from a young man or woman about any older person who maintains dignity and strength in the face of time. Never. Not once.

They are the way forward for all of us, to follow as beacons of hope while navigating the passage of years.

I honor all of them. Hats off.

This is what aging is supposed to look like, to be.

This is its gift to us all.

On a related note, there is a 78-year-old man [guy] at my gym who hangs out with the rest of us in a way that feels almost timeless.

Has he had his share of ailments over the decades? Yes.

As he said to me, “I may have been through hell and back in this lifetime, but what I learned from all of it is that none of us are perfect, but almost as few have the courage to persevere.”

Amen to that.

POSTSCRIPT

Aging is a bitch.

Nothing works the way it once did.

Joints ache, muscles take longer to heal.

You look in the mirror and see the lines, the changing face of time.

These are things that none of us can escape.

What we can escape is how we approach the war, and yes, a war it is.

life is not for the faint-hearted.

And while youth and beauty have their own unique merits, no one ever appreciates it until it’s gone.

And by then, pray you have a mentor who can help you get through it one piece.

In the end, I guess you could say that my attempt to contribute something to the aforementioned man’s life on that gym floor is the same contribution I attempt to make on the lives of men half my age.

Getting older is a time in life for sharing, for giving back, for making the world a better, more inspired place for everyone.

Irrelevance, like I said, should not be the job of the coroner.

Why [some] Middle-Aged White Americans Are Dying Before Their Time

BBmLL3U.img© Credit: Peter Hince/Getty Images Man at Sea Side Holding Bottle of Beer, Mid Section Credit: Peter Hince/Getty Images

What you’re looking at is a cliche that massacres every tenet of urban survival.

You know what I’m talking about.

This notwithstanding, I know very few middle-aged men who look like this guy.

Most of us have too much self-respect to allow ourselves to fall into complete ruin.

I might also add that I live in a very small world, given the the preponderance of obesity in America.

http://www.msn.com/en-us/health/medical/middle-aged-white-americans-are-dying-more-than-they-should-be/ar-BBmLBvP?li=BBgzzfc

In a nutshell, this study [see article] concludes that middle-aged Americans, classified as those between the ages of 45 and 54 – emphasis on those with less education – were more likely to die in middle age due to suicide or alcohol and drug poisoning.

The culprit, according to the study, is the 2008 financial collapse.

But the study also found that black, Hispanic and all other older Americans (65 and up) have continued to see longer lives.

Why is this?

The article doesn’t address it, but I can: Money.

In other words, if you weren’t screwed completely in 2008, you’re probably going to live a long healthy life.

6 KEY ELEMENTS

It’s been my experience that 6 key elements must be in place in order for an older man to stay at the top of his game.

…and all of them are tangentially related to money.

So here goes [surprise surprise]:

1] Financial security

Notes: Money is always thicker than blood. It’s first in line followed closely by everything else.

You’ll need enough to cover the cost of a nice place to live, a reliable car, a health club membership…and, of course, Whole Foods.

The rest of your life can take care of itself if Whole Foods doesn’t break you first.

2] Supportive wife or partner

Notes: If you’ve been married a long time and your wife is out of shape, she will probably want you to be out of shape so she doesn’t have to worry about being dumped.

This is a bigger problem than you might imagine and a bigger hurdle than many of you will even want to consider after seeing #1.

3] Healthy lifestyle

Notes: Wife/partner or not, a healthy lifestyle is the only way to age well. Not aging well is not worth the ride. It’s also 10 times the cost.

4] Culture group that supports and encourages your objectives

Notes: People who live healthy lifestyles tend to hang around others who share their values.

If the group you’re in begins to remind you of your own demise, find another group. 

Remember, life doesn’t give a crap what you do. It only sees the bottom line.

Any psychiatrist will tell you this for $200.00, but you’ll have to be able to fork over $200.00, plus additional therapy if coping with not having enough becomes a problem.

5] Comfort with technology

Notes: Generally speaking, the older men I know are very comfortable with technology.

While this may stand out as incongruous with the previous 4 bullet points, it’s everything but.

While technology helps keep us relevant, being on a first name basis with the people at the Apple store can be as expensive as gambling addiction.

6] Don’t isolate

Interacting with others is crucial to one’s mental health.

Some guys talk about leaving everything behind and heading off into the sunset on a wing and a prayer.

Of course, Icarus tried the same thing and it didn’t end well.

icarus_mcalister1

I guess he couldn’t afford therapy.

John Varvatos Sparks Revolution in Fashion Nostalgia

John-Varvatos-Sunglasses-Bio1

John Varvatos was born February 1, 1966, which means he missed the Baby Boom by 2 years.

Note: Baby Boom lasted from 1946-1964.

This notwithstanding, he captures the spirit of my generation better than any designer in memory. Period.

~~~

As I gotten older I seem to grow closer to my roots.

I guess it’s true what they say about early impressions being the strongest.

Most therapists would be willing to corroborate this for $200.00, by the way.

Anyway, my deepest passions were those rooted in music, specifically, rock ‘n’ roll.

Why this is I don’t know, because while others were off playing soccer, I sat in dark rooms with electric guitars and vinyl records, playing and replaying Clapton licks, among others.

My dorm room was plastered with glossy posters of Ozzy, Zeppelin, The Who, Cream, Hendrix and other musical gods of the day.

Empty packs of guitar strings were scattered all over the place, picks even worse.

I think it’s safe to say my adolescence was experienced through the fulcrum of music.

Then time passed, decades, and here I find myself with the same music, the same string and keyed instruments, and library of music I can’t live without.

So one day I’m walking through The Galleria in Houston when I happen upon the new John Varvatos store.

Feeling transported back to a place where it all started is to grossly understate the experience.

Joplin’s “Down On Me” was in the air, rock biographies neatly stacked on shelves under framed film photographs of rock stars.

and the clothing!

Wow.

Seriously?

Could this really be?

Did I actually find my long lost home in the world of John Varvatos?

At this writing my closet looks like his showroom, with a few exceptions, very few.

Once I got my hands on those threads 90% of my clothing went the way of the wind.

Finally a designer was channeling the same vibe.

Though my career has been spent as a photographer and writer, nothing keeps me more tethered to myself than music.

Obviously, I’m not alone.

senatus_eL69qY_displaywidetall

Brilliant ad. Generations merged.

Fitness Guru and Author, Shawn Phillips, Talks “Balanced Life”

ass-beachhttp://www.mystrengthforlife.com/relationship-with-perfect-physique-time/

Shawn and I are Facebook friends.

We have never met, though I had long-standing professional relationship with his brother, Bill, as a cover and editorial photographer for Muscle Media and Energy magazines.

Shawn posted this essay on Facebook recently, and I decided to share it here.

It speaks to the wisdom of age and how it challenges our perceptions of life and how many of us live it.

~~~

Everyone already knows the benefits of a healthy lifestyle.

To the faithful, I’m preaching to the choir.

But like everything else in life – and I mean everything – we reach a point of diminishing returns.

Training 2 hours a day, 7 days a week, AND eating perfectly, AND getting enough rest and recovery tend to sideline everything else, like family, friends, and loved ones who will eventually forget your name in the process.

The fact is there isn’t enough time in a day to do everything you want to do if other people in your life mean anything to you.

All those hours in the gym, on the track, in the pool mean what if you have nothing else in your life?

Your world gets really small, really fast.

This becomes more obvious at middle age when the time available to balance health and family are on a short fuse.

The time have come to reassess priorities if you want to live a fulfilling life.

Middle age is a wake-up call for men who’ve lived their lives for themselves: their goals, their objectives…themselves.

It’s fine when you’re in your 20’s and chasing a gold medal, or in your 30’s 80-hour weeks and endless travel are the only way to financial freedom.

But once you hit your middle 40’s – and beyond – you realize that the most important things in life involve people other than yourself.

In other words “being 7% bodyfat, ripped and living your life obsessed with fitness, exercise and some radical diet” is not a panacea.

Coming from a guy recognized as the epitome of fitness, this is something worth pondering.

THE GYM WORLD

At my gym there are more exercise addicted middle-aged men than there are gold-diggers, which is saying a lot in a town like Houston.

These men live for themselves all day, all night until one morning while on another in an endless series of runs, a torn Achilles tendon flips the switch and all they have left is a wheelchair in an empty room.

I’ve seen it more times than I can count.

Most of these men are single, divorced, living alone.

No cats. No dogs. Nothing to slow them down, interfere with the seamless obsession with me.

To those of us who’ve been around a while, we know the symptoms well.

The carrying on about how “working out is better than the alternative,” and “addiction is in the eye of the beholder” crap is as transparent as an open door.

Addicts with ever-shrinking lives memorize every excuse in the book to justify what they do.

But in the end, they’re talking to themselves because the rest of us have left destiny to do what it does best, which is pummel the weak.

As Shawn says [and I’ll leave it to his article to elaborate], “if you are using fitness to chase self-esteem vs. using self-esteem to fuel your fitness, you are on the infinite treadmill to nowhere.”

I finally leaned the meaning of this around the time I hit my 50th birthday and landed in a hospital with a high fever and sky-high liver enzymes due to over-exercise.

My life looked a lot like the people I describe.

I was told to stay out of the gym for a month, get a trainer who could help me get my workouts back in balance…and maybe see a shrink for what was obviously exercise addiction.

I was single, self-obsessed, spiritually lost.

Sometimes it takes hitting rock bottom before we can land on our feet.

Long story short, I now cross-train with weights 3 days a week for 1 hour, not 3.

I do 1 hour of cardio, stretching and foam rolling on the days in between, and take a day off.

I still eat well, but I allow myself to enjoy a glass of wine, french toast, and yes, the occasional caramel chocolate treat.

And since I’m not working out all day long, I also have time to spend time with the woman in my life and our zoo of animals.

It took a long time for me to learn and appreciate the art of balance, but now that I have I have never felt so fulfilled, or been more productive.

It’s amazing how much time you can waste chasing your tail.

Thanks for that, Shawn.

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

Full75210As 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.

One Reason Older Men Like Me Work Out

The guy you see in the foreground is me.

Directly behind me is a 9-year-old kid –– my competitor.

We will both perform what is referred to as an “icky-shuffle” that most know as ladder work.

This particular movement requires a lot of focus and agility rarely seen in males my age, but even more notably — HIS!

Yea, I was just as blown away.

Rock on, kid!

Why Some Stars Age Badly?

beautiful-stars-who-aged-horribly4Axl Rose, 53

You can blame a crappy appearance on the passage of a few years.

But you can also blame yourself for how you spent them.

In other words, “You make the bed you sleep in…” as my grandfather, Shelley, used to say.

Unfortunately, Axl Rose started out with a bed in complete disarray.

Thankfully, his voice and ability to write memorable music were enough to carry him through a lot of the turmoil.

But he is still a tragic result of his past.

So did misfortune cause him age badly?

Indirectly, yes.

But with help, most of us are salvageable.

In his case, he was either unable – or unwilling – to overcome the demons that laid waste to his childhood, and what we now see is a reflection of how he feels about himself.

There are many talented celebrities who have aged incredibly well.

In every instance, though, it’s because they took great care of themselves –– not because they visited a Devil’s Crossroads or were born divine.

Sting comes to mind as he always does in these narratives.

Aging is not a death sentence in the context of appearance.

It’s a series of choices.

I bring this up because MSN is fond of writing attention-grabbing headlines about how badly some celebrities have aged, like they were somehow struck down by God while shopping at Whole Foods.

Does a 53-year-old man look like he did at 22?

Of course not.

But many would argue that an exemplary 53-year-old actually constitutes an improvement.

A few lines, harder features, a fit frame, success, maturity, wisdom, knowledge all combined can equal a far more appealing individual.

While youth and beauty are synonymous in absolute terms, aging well balances the scales because it is one of life’s consummate achievements.

Just ask anyone who’s ever won an Oscar.

BULLET POINTS

Aging badly is most often tied to two things:

1] Obesity

2] Over-indulgence in plastic surgery.

Both are tied directly to self-esteem, and both are treatable psychiatric disabilities.

There is a third possibility, but delusion doesn’t count.