Here is another part. A lot of things are changing, so the terrain for which people who are in 60s now prepared for is changed. And so do many of us who are nearing 40s or ahead will face the same. Inflation cycles, changing demographic situations, war and the land narrative makes many things less connected.

I hate how data science and stats folk consider 25 year horizon or so. As life changes drastically and affects a lot of people and their life, I don't think its easy to just rely on data for further markers of life, finance and everything in general.