For me, the worst is losing my health and becoming incapacitated. The best is the huge collection of wisdom, memories, and a long lists of "firsts" I get to experience (first microwave, first iPod, etc.). P.S. Regarding the photo, my plan is to do my first skydive on my 60th birthday, and advance to wingsuit flying. I find the older I get, the fewer things scare me.
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So sorry to hear of the loss of your husband, followed by the stock market crash! It affected me too; fortunately, I was able to recover. It's great that you have grandchildren to keep you going. I'll have to get to know other people's; I have none.
If I lived in a big beautiful palace, I'd enjoy staying home a lot and entertaining. It might be fun for my house to be the place to go for parties. That's another thing to look forward to when I retire and have more time.
In the US, a person is considered a "senior citizen" at age 65. Insulting birthday cards start much younger. When I turned 40, I discovered on my own it has many benefits. I have since been told there are benefits at ALL ages - including old / SAGE.
Yes, not having to go to work anymore is DEFINITELY something I'm looking forward to! My career has been the cause for my 3 nervous breakdowns. I'll be 56 in a month, and still enjoy excellent health. Enjoying old age takes PLANNING!