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Most Indians in their 40's have planned for money. Maybe health. But longer lifespans demand a different plan. Never Too Late is where you plan for them all — body, brain, money, purpose and people.
Creative by Anjul D.| New to the Never Too Late community? Here’s a handy guide.
Lifespans have changed.
Life plans have not.
And if you, like me, are in your 40’s, we are navigating this new normal, blind.
I’m Kavita Krishnan, a journalist.
I spent the last two years reading longevity and ageing research and speaking to experts to understand how to prepare for longer lifespans.
What I learnt:
It keeps coming back to 5 choices or how we invest in our Body, Brain, Money, Purpose and People.
Every choice we make, compounds in our favour or against us.
Midlife is when these choices matter. What we choose now will shape how we live for 40 more years.
Listed below is one article for each choice — the pieces that shaped how I am thinking about each one.
You made a plan once for your career. It’s time to do it again for your life. This is a great place to start.
The 5 choices that will shape your next 40 years
The Body Choice
Enjoy life or pay a ‘tax’: What you choose in your 40s defines your future – explores the financial cost of ignoring your health in midlife. It has the specific number that made me take this seriously.
The Brain Choice
Fix 17 Factors. Prevent 3 Diseases – Is probably the single most useful piece of research I have come across in two years. One decision. Three diseases. If I were new, I would start here.
The Money Choice
Money stress hurts your health: Why you must build a longevity corpus – Researching this convinced me that financial planning is not separate from health planning. They are the same plan.
The People Choice
Loneliness can kill you – Among the most-read articles on Never Too Late. And probably the one most people forwarded to someone else.
The Purpose Choice
Retire@40 is a Lie. Get set for the 60-year career reframed retirement for me and got a lot of you talking as well. Read to see what work actually looks like after 60, who is hiring, and why the portfolio life is not a consolation prize.
Every Monday I go deeper on one of ‘The 5 Choices’. Free. Arrives at noon.
You can also take Never Too Late ‘to go’
That’s via the podcast: Longevity Shot.
These conversations are great to get you started on preparing for 40 more years.
The Body Choice
When it comes to Health, Neglect compounds. So does Prevention. → A geriatrician explains how small choices in our 40’s determine how we age.
The Brain Choice
Ignoring Brain Health in your 40s is an ‘expensive’ mistake → What the cost of inaction actually looks like — and what to do instead.
The Money Choice
100-year-life? You could run out of money → An Indian financial expert on why your retirement corpus was built for the wrong lifespan.
The People Choice
What Everyone Misses in Longevity Planning → The lady who built India’s largest senior community explains why you need to invest in your own circle.
The Purpose Choice
Forget Retirement. Plan a Second Career After 60, Now → The man who is building India’s biggest second career platform tells us why the portfolio life is no longer a choice, but a necessity. Also, how to prepare in your 40’s to stay professionally relevant as you age.
Read. Watch. Listen or share.
But, don’t forget to join the community. We are a good bunch.