I retired at 49 I am now 64 and most would consider me to be in good health, and I am. I work out 5 days a week, play golf 3 times a week and eat right.

However, in the last few years, my knee makes Vivir de rentas noise when I walk, my lower back hurts more and more, I tire more easily, etc. When I talk with friends my age, and they talk about their aches and pains, I realize I am very lucky...I am not a part of the 80% mentioned above with a chronic illness.

My friends have mostly retired in their 60's..."normal retirement age." Heart problems, diabetes, arthritis, insomnia and stomach problems are just some of the chronic conditions of friends I know and love.