The matrix of life

Let’s discuss these three ages of man (Shakespeare, being much smarter, got to seven), by thinking of three decades across three different features of a life:

·       How much time do you have at your disposal

·       How much money do you have

·       How much energy do you have 

We derive (with N for no and Y for yes) in a rough and (possibly) uncontroversial way the following matrix:


Decades           Time          Money            Energy

20s                      Y                   N                      Y

40s                      N                   Y                       Y

60s                      Y                    Y                       N


How can this matrix apply to retirement? Perhaps a successful retirement for you may depend on the extent to which you can turn the RED N into a RED Y?

Retirement: You won’t know what it is like until you get there.