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Some people are living longer. But the average is decreasing in the US.
by smileysteve 4y ago
Some people are living longer. But the average is decreasing in the US.
- actionablefiber 4y agoThe average just got whalloped by a deadly pandemic, so the average today is probably not representative of how long a person should expect to live in the future.
- Amezarak 4y agoThe average was decreasing before the pandemic.
- readthenotes1 4y agoFor men, at least
- etrautmann 4y agoIsn’t this due to things like the opioid crisis etc? Is it still true if you marginalize on HN readers? There might be a few fentanyl addicts here but I suspect fewer?
- smileysteve 4y agoYou can find comments pretty regularly made here by users and former addicts. There is little reason to suspect that HN would not follow age and income demographics; and chair sitting is a common source of chronic pain. But also increasing rates of depression, obesity, diabetes, and other chronic diseases led to the decrease in life expectancy.
- elil17 4y agoEither way, it’s not relevant for withdrawal guidelines because the relevant statistic is life expectancy at retirement age, not life expectancy at birth. Things like ODs mostly impact those who aren’t yet of retirement age, so they don’t effect the parts of the actuarial tables used for retirement calculations.
- elil17 4y agoThe 4% rule paper was written in 1994, when most retirees would expect to live 15.3 (male) to 19.4 (female) more years. People retiring now can expect to live 18.1 to 20.7 years, make and female respectively. The % rules are calculated using joint actuarial tables and a given percentage chance of going broke before death (I believe it is 5%).