NYT Opinion Piece: This Isn’t What Millennial Middle Age Was Supposed To Look Like

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I am 34 and I am NOT middle aged. F off.

If you go by the median age of death in US you most certainly are

Middle age starts at 36. The average lifespan in the United States is 72 years old. 36 + 36 = 72

You are almost middle aged right now. Wake up.

No, the average life expectancy of an American woman is 80. Add to it the fact that I’m white (it’s unfortunate that race makes a difference but it does), financially secure, and in good health with a good family history, then it’s probably higher. Of course sh happens and I could die tomorrow. Middle age mathematically is at least 40.
But biologically and culturally, middle age is associated with things like menopause and other physical changes. Which is generally not in your 30s. And I have perky breasts and a flat stomach and firm legs so…. Nope, not middle aged.

This is not true for anyone of any race.

the average life expectancy is 76 and it’s declining post covid.

[Anonymous]

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Anonymous wrote:As a Gen Xer who graduated into the recession of the early 90s and then endured the financial crisis I find the millennial attitude/ignorance that they are apparently the first generation ever to face economic hardship laughable. This generation has been feeding at their boomer parents trough all their lives is on track to receive the largest intergenerational transfer of wealth in history.

The largest intergenerational transfer of wealth in history occurred when the Greatest Generation who served in WWII passed their wealth to their Boomer children. The Baby Boomers, now in their 60s and 70s, squandered their children's futures. They did.

+1.

And just look at our escalating national debt. The boomers won't care if our country goes broke so long as their Social Security and Medicare is generously funded until they're dead.

Basically they're taking one last deep swig and then will toss the empty bottle to the younger generations.

And millennials are their children, so.
Yeah bc a $12M entry point for estate taxes (see: Boomers) in the wake of the longest bill market and lowest interest rates in history definitely is setting you up for serious deprivation.

This ALL benefiting boomers right now, not younger generations. They're the ones inheriting tax free, they are they ones riding the bull market into retirement, etc.

This. Some Millenials and Gen Z might inherit some of this wealth, but the vast majority likely will not. I know in our family, we are banking on nothing. My ILs pension and paid off home is going to pay for international travel and then will be channelled into end-of-life care -- we don't expect there to be anything left over. Maybe 40k or something that we would just funnel straight into our kid's college fund. My parents have more but they also have a lot more kids and grand kids and a history of very questionable financial choices.

+1000. My boomer parents recently inherited my grandparent's large house by the beach plus a million dollar nest egg. They could have lived in the beach house and/or run it as a family compound for the benefit of all. But what did they do? They immediately sold the house and liquidated the nest egg. They also keep bragging how they are flush now and 100% intent on spending it all on a gold-plated retirement. This could have been family wealth to help with future college for the grandkids or just to be passed down the generations. But no, they are laughing away the money as we speak on a round-the-world luxury cruise for the next 6 months. Can't make this up.

Why do you think you're entitled to any of that money? If your grandparents had wanted you to have the money, they'd have left it to you.

Why do the parents get a pass for being selfish AF?

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:As a Gen Xer who graduated into the recession of the early 90s and then endured the financial crisis I find the millennial attitude/ignorance that they are apparently the first generation ever to face economic hardship laughable. This generation has been feeding at their boomer parents trough all their lives is on track to receive the largest intergenerational transfer of wealth in history.

The largest intergenerational transfer of wealth in history occurred when the Greatest Generation who served in WWII passed their wealth to their Boomer children. The Baby Boomers, now in their 60s and 70s, squandered their children's futures. They did.

+1.

And just look at our escalating national debt. The boomers won't care if our country goes broke so long as their Social Security and Medicare is generously funded until they're dead.

Basically they're taking one last deep swig and then will toss the empty bottle to the younger generations.

And millennials are their children, so.
Yeah bc a $12M entry point for estate taxes (see: Boomers) in the wake of the longest bill market and lowest interest rates in history definitely is setting you up for serious deprivation.

This ALL benefiting boomers right now, not younger generations. They're the ones inheriting tax free, they are they ones riding the bull market into retirement, etc.

This. Some Millenials and Gen Z might inherit some of this wealth, but the vast majority likely will not. I know in our family, we are banking on nothing. My ILs pension and paid off home is going to pay for international travel and then will be channelled into end-of-life care -- we don't expect there to be anything left over. Maybe 40k or something that we would just funnel straight into our kid's college fund. My parents have more but they also have a lot more kids and grand kids and a history of very questionable financial choices.

+1000. My boomer parents recently inherited my grandparent's large house by the beach plus a million dollar nest egg. They could have lived in the beach house and/or run it as a family compound for the benefit of all. But what did they do? They immediately sold the house and liquidated the nest egg. They also keep bragging how they are flush now and 100% intent on spending it all on a gold-plated retirement. This could have been family wealth to help with future college for the grandkids or just to be passed down the generations. But no, they are laughing away the money as we speak on a round-the-world luxury cruise for the next 6 months. Can't make this up.

Why do you think you're entitled to any of that money? If your grandparents had wanted you to have the money, they'd have left it to you.

Why do the parents get a pass for being selfish AF?

At least in my family, the grandparents would have wanted to give the money to grandkids but it's expected the direct descendents will be good stewards of the money to grow it and give to their kids. Blowing it all would be considered heresy, but apparently that's happening. This is how generational wealth works.

[Anonymous]

My parents came from almost nothing. They worked and sacrificed for everything they have and everything they gave. I hope they spend it all!

[Anonymous]

Fellow Gen X-er here. My dads estate is probably worth $10 or $15 million. I don’t expect anything - if he gives it all to charity, good for him.

First, you have no idea what curveballs life will throw at your parents. In my twenties, I did expect a huge inheritance because my dad was unmarried and I was his heir. Fast forward 25 year, my dad’s much younger third wife has all but secured his estate for herself and her children (his stepchildren).

Second, people are living really long lives! My dad is eighty, let’s say he lives another ten years. I’m close to sixty at that point. I cannot imagine hoping he dies so I can start living my life with his money.

I think most Gen X-ers were raised to make our own money, not depend on an inheritance. I recommend it, millennials!

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I am 34 and I am NOT middle aged. F off.

If you go by the median age of death in US you most certainly are

Middle age starts at 36. The average lifespan in the United States is 72 years old. 36 + 36 = 72

You are almost middle aged right now. Wake up.

No, the average life expectancy of an American woman is 80. Add to it the fact that I’m white (it’s unfortunate that race makes a difference but it does), financially secure, and in good health with a good family history, then it’s probably higher. Of course sh happens and I could die tomorrow. Middle age mathematically is at least 40.
But biologically and culturally, middle age is associated with things like menopause and other physical changes. Which is generally not in your 30s. And I have perky breasts and a flat stomach and firm legs so…. Nope, not middle aged.

This is not true for anyone of any race.

the average life expectancy is 76 and it’s declining post covid.

False. White women live to over 80 in the US, on average. White men in the top quintile of income. White men in the top 1% of income (like me) live until ~87 on average. If you don't smoke or drink or have serious hereditary diseases in the family then it goes up to like the mid 90s

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:As a Gen Xer who graduated into the recession of the early 90s and then endured the financial crisis I find the millennial attitude/ignorance that they are apparently the first generation ever to face economic hardship laughable. This generation has been feeding at their boomer parents trough all their lives is on track to receive the largest intergenerational transfer of wealth in history.

The largest intergenerational transfer of wealth in history occurred when the Greatest Generation who served in WWII passed their wealth to their Boomer children. The Baby Boomers, now in their 60s and 70s, squandered their children's futures. They did.

+1.

And just look at our escalating national debt. The boomers won't care if our country goes broke so long as their Social Security and Medicare is generously funded until they're dead.

Basically they're taking one last deep swig and then will toss the empty bottle to the younger generations.

And millennials are their children, so.
Yeah bc a $12M entry point for estate taxes (see: Boomers) in the wake of the longest bill market and lowest interest rates in history definitely is setting you up for serious deprivation.

This ALL benefiting boomers right now, not younger generations. They're the ones inheriting tax free, they are they ones riding the bull market into retirement, etc.

This. Some Millenials and Gen Z might inherit some of this wealth, but the vast majority likely will not. I know in our family, we are banking on nothing. My ILs pension and paid off home is going to pay for international travel and then will be channelled into end-of-life care -- we don't expect there to be anything left over. Maybe 40k or something that we would just funnel straight into our kid's college fund. My parents have more but they also have a lot more kids and grand kids and a history of very questionable financial choices.

+1000. My boomer parents recently inherited my grandparent's large house by the beach plus a million dollar nest egg. They could have lived in the beach house and/or run it as a family compound for the benefit of all. But what did they do? They immediately sold the house and liquidated the nest egg. They also keep bragging how they are flush now and 100% intent on spending it all on a gold-plated retirement. This could have been family wealth to help with future college for the grandkids or just to be passed down the generations. But no, they are laughing away the money as we speak on a round-the-world luxury cruise for the next 6 months. Can't make this up.

Why do you think you're entitled to any of that money? If your grandparents had wanted you to have the money, they'd have left it to you.

Why do the parents get a pass for being selfish AF?

At least in my family, the grandparents would have wanted to give the money to grandkids but it's expected the direct descendents will be good stewards of the money to grow it and give to their kids. Blowing it all would be considered heresy, but apparently that's happening. This is how generational wealth works.

This. It'd be one thing if the Boomer parents had been self-made, but apparently they just sat around and one day a pot of gold fell into their lap. This is family wealth that was meant for each generation to use and take care of and then pass on to the next. To just eat through the entire grain seed for personal enjoyment is the height of selfishness.

[Anonymous]

Anonymous wrote:Fellow Gen X-er here. My dads estate is probably worth $10 or $15 million. I don’t expect anything - if he gives it all to charity, good for him.

First, you have no idea what curveballs life will throw at your parents. In my twenties, I did expect a huge inheritance because my dad was unmarried and I was his heir. Fast forward 25 year, my dad’s much younger third wife has all but secured his estate for herself and her children (his stepchildren).

Second, people are living really long lives! My dad is eighty, let’s say he lives another ten years. I’m close to sixty at that point. I cannot imagine hoping he dies so I can start living my life with his money.

I think most Gen X-ers were raised to make our own money, not depend on an inheritance. I recommend it, millennials!

Millennial here who has no interest in an inheritance. But I don't think it's a generational thing like you're making it out to be - different folks have different family situations. In my case, my parents made their money so it's entirely up to them how they use it.

[Anonymous]

Anonymous wrote:Fellow Gen X-er here. My dads estate is probably worth $10 or $15 million. I don’t expect anything - if he gives it all to charity, good for him.

First, you have no idea what curveballs life will throw at your parents. In my twenties, I did expect a huge inheritance because my dad was unmarried and I was his heir. Fast forward 25 year, my dad’s much younger third wife has all but secured his estate for herself and her children (his stepchildren).

Second, people are living really long lives! My dad is eighty, let’s say he lives another ten years. I’m close to sixty at that point. I cannot imagine hoping he dies so I can start living my life with his money.

I think most Gen X-ers were raised to make our own money, not depend on an inheritance. I recommend it, millennials!

Gee, I cannot imagine having parents worth $10 to $15 million made you privileged already. Before any inheritance. Yeah, you probably will be fine regardless.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:As a Gen Xer who graduated into the recession of the early 90s and then endured the financial crisis I find the millennial attitude/ignorance that they are apparently the first generation ever to face economic hardship laughable. This generation has been feeding at their boomer parents trough all their lives is on track to receive the largest intergenerational transfer of wealth in history.

The largest intergenerational transfer of wealth in history occurred when the Greatest Generation who served in WWII passed their wealth to their Boomer children. The Baby Boomers, now in their 60s and 70s, squandered their children's futures. They did.

+1.

And just look at our escalating national debt. The boomers won't care if our country goes broke so long as their Social Security and Medicare is generously funded until they're dead.

Basically they're taking one last deep swig and then will toss the empty bottle to the younger generations.

And millennials are their children, so.
Yeah bc a $12M entry point for estate taxes (see: Boomers) in the wake of the longest bill market and lowest interest rates in history definitely is setting you up for serious deprivation.

This ALL benefiting boomers right now, not younger generations. They're the ones inheriting tax free, they are they ones riding the bull market into retirement, etc.

This. Some Millenials and Gen Z might inherit some of this wealth, but the vast majority likely will not. I know in our family, we are banking on nothing. My ILs pension and paid off home is going to pay for international travel and then will be channelled into end-of-life care -- we don't expect there to be anything left over. Maybe 40k or something that we would just funnel straight into our kid's college fund. My parents have more but they also have a lot more kids and grand kids and a history of very questionable financial choices.

+1000. My boomer parents recently inherited my grandparent's large house by the beach plus a million dollar nest egg. They could have lived in the beach house and/or run it as a family compound for the benefit of all. But what did they do? They immediately sold the house and liquidated the nest egg. They also keep bragging how they are flush now and 100% intent on spending it all on a gold-plated retirement. This could have been family wealth to help with future college for the grandkids or just to be passed down the generations. But no, they are laughing away the money as we speak on a round-the-world luxury cruise for the next 6 months. Can't make this up.

Why do you think you're entitled to any of that money? If your grandparents had wanted you to have the money, they'd have left it to you.

It's not about "entitlement." It's more about behaving like classy people and not like drug dealers or trashy lotto winners. Anyone can come into cash and blow it all on trips, clothes, jewelry, cars, boats. That's trailer.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:As a Gen Xer who graduated into the recession of the early 90s and then endured the financial crisis I find the millennial attitude/ignorance that they are apparently the first generation ever to face economic hardship laughable. This generation has been feeding at their boomer parents trough all their lives is on track to receive the largest intergenerational transfer of wealth in history.

The largest intergenerational transfer of wealth in history occurred when the Greatest Generation who served in WWII passed their wealth to their Boomer children. The Baby Boomers, now in their 60s and 70s, squandered their children's futures. They did.

+1.

And just look at our escalating national debt. The boomers won't care if our country goes broke so long as their Social Security and Medicare is generously funded until they're dead.

Basically they're taking one last deep swig and then will toss the empty bottle to the younger generations.

And millennials are their children, so.
Yeah bc a $12M entry point for estate taxes (see: Boomers) in the wake of the longest bill market and lowest interest rates in history definitely is setting you up for serious deprivation.

This ALL benefiting boomers right now, not younger generations. They're the ones inheriting tax free, they are they ones riding the bull market into retirement, etc.

This. Some Millenials and Gen Z might inherit some of this wealth, but the vast majority likely will not. I know in our family, we are banking on nothing. My ILs pension and paid off home is going to pay for international travel and then will be channelled into end-of-life care -- we don't expect there to be anything left over. Maybe 40k or something that we would just funnel straight into our kid's college fund. My parents have more but they also have a lot more kids and grand kids and a history of very questionable financial choices.

+1000. My boomer parents recently inherited my grandparent's large house by the beach plus a million dollar nest egg. They could have lived in the beach house and/or run it as a family compound for the benefit of all. But what did they do? They immediately sold the house and liquidated the nest egg. They also keep bragging how they are flush now and 100% intent on spending it all on a gold-plated retirement. This could have been family wealth to help with future college for the grandkids or just to be passed down the generations. But no, they are laughing away the money as we speak on a round-the-world luxury cruise for the next 6 months. Can't make this up.

Why do you think you're entitled to any of that money? If your grandparents had wanted you to have the money, they'd have left it to you.

It's not about "entitlement." It's more about behaving like classy people and not like drug dealers or trashy lotto winners. Anyone can come into cash and blow it all on trips, clothes, jewelry, cars, boats. That's trailer.

Hard agree.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:As a Gen Xer who graduated into the recession of the early 90s and then endured the financial crisis I find the millennial attitude/ignorance that they are apparently the first generation ever to face economic hardship laughable. This generation has been feeding at their boomer parents trough all their lives is on track to receive the largest intergenerational transfer of wealth in history.

The largest intergenerational transfer of wealth in history occurred when the Greatest Generation who served in WWII passed their wealth to their Boomer children. The Baby Boomers, now in their 60s and 70s, squandered their children's futures. They did.

+1.

And just look at our escalating national debt. The boomers won't care if our country goes broke so long as their Social Security and Medicare is generously funded until they're dead.

Basically they're taking one last deep swig and then will toss the empty bottle to the younger generations.

And millennials are their children, so.
Yeah bc a $12M entry point for estate taxes (see: Boomers) in the wake of the longest bill market and lowest interest rates in history definitely is setting you up for serious deprivation.

This ALL benefiting boomers right now, not younger generations. They're the ones inheriting tax free, they are they ones riding the bull market into retirement, etc.

This. Some Millenials and Gen Z might inherit some of this wealth, but the vast majority likely will not. I know in our family, we are banking on nothing. My ILs pension and paid off home is going to pay for international travel and then will be channelled into end-of-life care -- we don't expect there to be anything left over. Maybe 40k or something that we would just funnel straight into our kid's college fund. My parents have more but they also have a lot more kids and grand kids and a history of very questionable financial choices.

+1000. My boomer parents recently inherited my grandparent's large house by the beach plus a million dollar nest egg. They could have lived in the beach house and/or run it as a family compound for the benefit of all. But what did they do? They immediately sold the house and liquidated the nest egg. They also keep bragging how they are flush now and 100% intent on spending it all on a gold-plated retirement. This could have been family wealth to help with future college for the grandkids or just to be passed down the generations. But no, they are laughing away the money as we speak on a round-the-world luxury cruise for the next 6 months. Can't make this up.

Makes me thankful for my inlaws who are worth $15M+ yet happily live on about $50k/year. No amount of encouragement from us can get them to spend more. As we will have enough for our own retirement, we will use our inheritance from them to set up education funds for our future grandchildren, fund multi-generational travel, and still leave plenty to our own kids to pay it forward to their grandkids.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:As a Gen Xer who graduated into the recession of the early 90s and then endured the financial crisis I find the millennial attitude/ignorance that they are apparently the first generation ever to face economic hardship laughable. This generation has been feeding at their boomer parents trough all their lives is on track to receive the largest intergenerational transfer of wealth in history.

The largest intergenerational transfer of wealth in history occurred when the Greatest Generation who served in WWII passed their wealth to their Boomer children. The Baby Boomers, now in their 60s and 70s, squandered their children's futures. They did.

+1.

And just look at our escalating national debt. The boomers won't care if our country goes broke so long as their Social Security and Medicare is generously funded until they're dead.

Basically they're taking one last deep swig and then will toss the empty bottle to the younger generations.

And millennials are their children, so.
Yeah bc a $12M entry point for estate taxes (see: Boomers) in the wake of the longest bill market and lowest interest rates in history definitely is setting you up for serious deprivation.

This ALL benefiting boomers right now, not younger generations. They're the ones inheriting tax free, they are they ones riding the bull market into retirement, etc.

This. Some Millenials and Gen Z might inherit some of this wealth, but the vast majority likely will not. I know in our family, we are banking on nothing. My ILs pension and paid off home is going to pay for international travel and then will be channelled into end-of-life care -- we don't expect there to be anything left over. Maybe 40k or something that we would just funnel straight into our kid's college fund. My parents have more but they also have a lot more kids and grand kids and a history of very questionable financial choices.

+1000. My boomer parents recently inherited my grandparent's large house by the beach plus a million dollar nest egg. They could have lived in the beach house and/or run it as a family compound for the benefit of all. But what did they do? They immediately sold the house and liquidated the nest egg. They also keep bragging how they are flush now and 100% intent on spending it all on a gold-plated retirement. This could have been family wealth to help with future college for the grandkids or just to be passed down the generations. But no, they are laughing away the money as we speak on a round-the-world luxury cruise for the next 6 months. Can't make this up.

Why do you think you're entitled to any of that money? If your grandparents had wanted you to have the money, they'd have left it to you.

Why do the parents get a pass for being selfish AF?

Why can’t the PP make it on their own?

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:As a Gen Xer who graduated into the recession of the early 90s and then endured the financial crisis I find the millennial attitude/ignorance that they are apparently the first generation ever to face economic hardship laughable. This generation has been feeding at their boomer parents trough all their lives is on track to receive the largest intergenerational transfer of wealth in history.

The largest intergenerational transfer of wealth in history occurred when the Greatest Generation who served in WWII passed their wealth to their Boomer children. The Baby Boomers, now in their 60s and 70s, squandered their children's futures. They did.

+1.

And just look at our escalating national debt. The boomers won't care if our country goes broke so long as their Social Security and Medicare is generously funded until they're dead.

Basically they're taking one last deep swig and then will toss the empty bottle to the younger generations.

And millennials are their children, so.
Yeah bc a $12M entry point for estate taxes (see: Boomers) in the wake of the longest bill market and lowest interest rates in history definitely is setting you up for serious deprivation.

This ALL benefiting boomers right now, not younger generations. They're the ones inheriting tax free, they are they ones riding the bull market into retirement, etc.

This. Some Millenials and Gen Z might inherit some of this wealth, but the vast majority likely will not. I know in our family, we are banking on nothing. My ILs pension and paid off home is going to pay for international travel and then will be channelled into end-of-life care -- we don't expect there to be anything left over. Maybe 40k or something that we would just funnel straight into our kid's college fund. My parents have more but they also have a lot more kids and grand kids and a history of very questionable financial choices.

+1000. My boomer parents recently inherited my grandparent's large house by the beach plus a million dollar nest egg. They could have lived in the beach house and/or run it as a family compound for the benefit of all. But what did they do? They immediately sold the house and liquidated the nest egg. They also keep bragging how they are flush now and 100% intent on spending it all on a gold-plated retirement. This could have been family wealth to help with future college for the grandkids or just to be passed down the generations. But no, they are laughing away the money as we speak on a round-the-world luxury cruise for the next 6 months. Can't make this up.

Why do you think you're entitled to any of that money? If your grandparents had wanted you to have the money, they'd have left it to you.

Why do the parents get a pass for being selfish AF?

Why can’t the PP make it on their own?

Well clearly PP had bad role models in her parents who are blowing what should've nourished the next few generations on themselves. PP isn't saying she CAN'T make it on her own, but is wondering why her parents are so selfish and greedy.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I am 34 and I am NOT middle aged. F off.

If you go by the median age of death in US you most certainly are

Middle age starts at 36. The average lifespan in the United States is 72 years old. 36 + 36 = 72

You are almost middle aged right now. Wake up.

No, the average life expectancy of an American woman is 80. Add to it the fact that I’m white (it’s unfortunate that race makes a difference but it does), financially secure, and in good health with a good family history, then it’s probably higher. Of course sh happens and I could die tomorrow. Middle age mathematically is at least 40.
But biologically and culturally, middle age is associated with things like menopause and other physical changes. Which is generally not in your 30s. And I have perky breasts and a flat stomach and firm legs so…. Nope, not middle aged.

Odds are you’re living those last 5-7 years disabled and/or needing very expensive help.
This is not true for anyone of any race.

the average life expectancy is 76 and it’s declining post covid.

False. White women live to over 80 in the US, on average. White men in the top quintile of income. White men in the top 1% of income (like me) live until ~87 on average. If you don't smoke or drink or have serious hereditary diseases in the family then it goes up to like the mid 90s