> At age 54, I'm now in the final quarter of my life. Not on average. Life expectancy such as "73" without further qualification means "life expectancy when bo

> At age 54, I'm now in the final quarter of my life. Not on average. Life expectancy such as "73" without further qualification means "life expectancy when born today". Since you already made it until 54, your life expectancy is higher than 73 (probably somewhere close to 80). If you are not convinced outright, think of what your life expectancy is if you were 74.