Yes physical is one of the things I glossed over and generalized, and of course there is real physical decline that is inevitable. However most people are not g

Yes physical is one of the things I glossed over and generalized, and of course there is real physical decline that is inevitable. However most people are not genetically destined to be saddled w/ medical bills immediately following their peak, and with basic self-care can maintain general freedom to adapt and move about several decades beyond yours (seems about 60s or so is where you'll likely experience issues of some sort even if you're in exceptional health). Of course again the trend is that many people don't exert said self-care and fall subject to ailments much earlier (or just have bad luck w/ a host of varying types of environmental/genetic circumstances), and just generally use getting older as an excuse to withhold themselves from a great many things. This again is not destiny, merely a trendline that can be changed.