If you go by the stats 40 is over the hill since your life is half over and your sliding back down the hill. Another way to look at it is consider life a 4 qtr. game
1st qtr ends at age 20
2nd qtr ends at age 40
3rd qtr ends at age 60
4th qtr ends at age 80 ( most people expire this qtr)
81 plus consider your life in overtime
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Average age of death United States
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Year
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All
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Men
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</TD><TD style="BORDER-RIGHT: windowtext 0.5pt solid; PADDING-RIGHT: 1px; BORDER-TOP: windowtext 0.5pt solid; PADDING-LEFT: 1px; FONT-WEIGHT: 400; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; BORDER-LEFT: medium none; WIDTH: 48pt; COLOR: windowtext; PADDING-TOP: 1px; BORDER-BOTTOM: windowtext 0.5pt solid; FONT-STYLE: normal; FONT-FAMILY: Arial, sans-serif; WHITE-SPACE: normal; TEXT-ALIGN: center; TEXT-DECORATION: none" width=64>
</TD></TR><TR style="HEIGHT: 12.75pt" height=17><TD style="PADDING-RIGHT: 1px; BORDER-TOP: medium none; PADDING-LEFT: 1px; FONT-WEIGHT: 400; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; WIDTH: 6px; COLOR: #000000; PADDING-TOP: 1px; FONT-STYLE: normal; FONT-FAMILY: Arial, sans-serif; WHITE-SPACE: normal; HEIGHT: 12.75pt; TEXT-ALIGN: center; TEXT-DECORATION: none" height=17>
</TD><TD style="BORDER-RIGHT: windowtext 0.5pt solid; PADDING-RIGHT: 1px; BORDER-TOP: medium none; PADDING-LEFT: 1px; FONT-WEIGHT: 400; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; BORDER-LEFT: windowtext 0.5pt solid; WIDTH: 34px; COLOR: windowtext; PADDING-TOP: 1px; BORDER-BOTTOM: windowtext 0.5pt solid; FONT-STYLE: normal; FONT-FAMILY: Arial, sans-serif; WHITE-SPACE: normal; HEIGHT: 12.75pt; TEXT-ALIGN: center; TEXT-DECORATION: none" height=17 x:num>
2004
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77.9
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75.2
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</TD><TD style="BORDER-RIGHT: windowtext 0.5pt solid; PADDING-RIGHT: 1px; BORDER-TOP: medium none; PADDING-LEFT: 1px; FONT-WEIGHT: 400; FONT-SIZE: 10pt; VERTICAL-ALIGN: bottom; BORDER-LEFT: medium none; COLOR: windowtext; PADDING-TOP: 1px; BORDER-BOTTOM: windowtext 0.5pt solid; FONT-STYLE: normal; FONT-FAMILY: Arial, sans-serif; WHITE-SPACE: nowrap; TEXT-ALIGN: center; TEXT-DECORATION: none" x:num x:fmla="=D2-C2">
</TD></TR><TR style="HEIGHT: 12.75pt" height=17><TD style="PADDING-RIGHT: 1px; BORDER-TOP: medium none; PADDING-LEFT: 1px; FONT-WEIGHT: 400; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; WIDTH: 6px; COLOR: #000000; PADDING-TOP: 1px; FONT-STYLE: normal; FONT-FAMILY: Arial, sans-serif; WHITE-SPACE: normal; HEIGHT: 12.75pt; TEXT-ALIGN: center; TEXT-DECORATION: none" height=17>
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2003
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77.6
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74.8
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</TD><TD style="BORDER-RIGHT: windowtext 0.5pt solid; PADDING-RIGHT: 1px; BORDER-TOP: medium none; PADDING-LEFT: 1px; FONT-WEIGHT: 400; FONT-SIZE: 10pt; VERTICAL-ALIGN: bottom; BORDER-LEFT: medium none; COLOR: windowtext; PADDING-TOP: 1px; BORDER-BOTTOM: windowtext 0.5pt solid; FONT-STYLE: normal; FONT-FAMILY: Arial, sans-serif; WHITE-SPACE: nowrap; TEXT-ALIGN: center; TEXT-DECORATION: none" x:num x:fmla="=D3-C3">
</TD></TR><TR style="HEIGHT: 12.75pt" height=17><TD style="PADDING-RIGHT: 1px; BORDER-TOP: medium none; PADDING-LEFT: 1px; FONT-WEIGHT: 400; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; WIDTH: 6px; COLOR: #000000; PADDING-TOP: 1px; FONT-STYLE: normal; FONT-FAMILY: Arial, sans-serif; WHITE-SPACE: normal; HEIGHT: 12.75pt; TEXT-ALIGN: center; TEXT-DECORATION: none" height=17>
</TD><TD style="BORDER-RIGHT: windowtext 0.5pt solid; PADDING-RIGHT: 1px; BORDER-TOP: medium none; PADDING-LEFT: 1px; FONT-WEIGHT: 400; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; BORDER-LEFT: windowtext 0.5pt solid; WIDTH: 34px; COLOR: windowtext; PADDING-TOP: 1px; BORDER-BOTTOM: windowtext 0.5pt solid; FONT-STYLE: normal; FONT-FAMILY: Arial, sans-serif; WHITE-SPACE: normal; HEIGHT: 12.75pt; TEXT-ALIGN: center; TEXT-DECORATION: none" height=17 x:num>
2002
</TD><TD style="BORDER-RIGHT: windowtext 0.5pt solid; PADDING-RIGHT: 1px; BORDER-TOP: medium none; PADDING-LEFT: 1px; FONT-WEIGHT: 400; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; BORDER-LEFT: medium none; WIDTH: 35px; COLOR: windowtext; PADDING-TOP: 1px; BORDER-BOTTOM: windowtext 0.5pt solid; FONT-STYLE: normal; FONT-FAMILY: Arial, sans-serif; WHITE-SPACE: normal; TEXT-ALIGN: center; TEXT-DECORATION: none" x:num>
77.3
</TD><TD style="BORDER-RIGHT: windowtext 0.5pt solid; PADDING-RIGHT: 1px; BORDER-TOP: medium none; PADDING-LEFT: 1px; FONT-WEIGHT: 400; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; BORDER-LEFT: medium none; WIDTH: 27px; COLOR: windowtext; PADDING-TOP: 1px; BORDER-BOTTOM: windowtext 0.5pt solid; FONT-STYLE: normal; FONT-FAMILY: Arial, sans-serif; WHITE-SPACE: normal; TEXT-ALIGN: center; TEXT-DECORATION: none" x:num>
74.5
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</TD><TD style="BORDER-RIGHT: windowtext 0.5pt solid; PADDING-RIGHT: 1px; BORDER-TOP: medium none; PADDING-LEFT: 1px; FONT-WEIGHT: 400; FONT-SIZE: 10pt; VERTICAL-ALIGN: bottom; BORDER-LEFT: medium none; COLOR: windowtext; PADDING-TOP: 1px; BORDER-BOTTOM: windowtext 0.5pt solid; FONT-STYLE: normal; FONT-FAMILY: Arial, sans-serif; WHITE-SPACE: nowrap; TEXT-ALIGN: center; TEXT-DECORATION: none" x:num="5.4000000000000057" x:fmla="=D4-C4">
</TD></TR><TR style="HEIGHT: 12.75pt" height=17><TD style="PADDING-RIGHT: 1px; BORDER-TOP: medium none; PADDING-LEFT: 1px; FONT-WEIGHT: 400; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; WIDTH: 6px; COLOR: #000000; PADDING-TOP: 1px; FONT-STYLE: normal; FONT-FAMILY: Arial, sans-serif; WHITE-SPACE: normal; HEIGHT: 12.75pt; TEXT-ALIGN: center; TEXT-DECORATION: none" height=17>
</TD><TD style="BORDER-RIGHT: windowtext 0.5pt solid; PADDING-RIGHT: 1px; BORDER-TOP: medium none; PADDING-LEFT: 1px; FONT-WEIGHT: 400; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; BORDER-LEFT: windowtext 0.5pt solid; WIDTH: 34px; COLOR: windowtext; PADDING-TOP: 1px; BORDER-BOTTOM: windowtext 0.5pt solid; FONT-STYLE: normal; FONT-FAMILY: Arial, sans-serif; WHITE-SPACE: normal; HEIGHT: 12.75pt; TEXT-ALIGN: center; TEXT-DECORATION: none" height=17 x:num>
2001
</TD><TD style="BORDER-RIGHT: windowtext 0.5pt solid; PADDING-RIGHT: 1px; BORDER-TOP: medium none; PADDING-LEFT: 1px; FONT-WEIGHT: 400; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; BORDER-LEFT: medium none; WIDTH: 35px; COLOR: windowtext; PADDING-TOP: 1px; BORDER-BOTTOM: windowtext 0.5pt solid; FONT-STYLE: normal; FONT-FAMILY: Arial, sans-serif; WHITE-SPACE: normal; TEXT-ALIGN: center; TEXT-DECORATION: none" x:num>
77.2
</TD><TD style="BORDER-RIGHT: windowtext 0.5pt solid; PADDING-RIGHT: 1px; BORDER-TOP: medium none; PADDING-LEFT: 1px; FONT-WEIGHT: 400; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; BORDER-LEFT: medium none; WIDTH: 27px; COLOR: windowtext; PADDING-TOP: 1px; BORDER-BOTTOM: windowtext 0.5pt solid; FONT-STYLE: normal; FONT-FAMILY: Arial, sans-serif; WHITE-SPACE: normal; TEXT-ALIGN: center; TEXT-DECORATION: none" x:num>
74.4
</TD><TD style="BORDER-RIGHT: windowtext 0.5pt solid; PADDING-RIGHT: 1px; BORDER-TOP: medium none; PADDING-LEFT: 1px; FONT-WEIGHT: 400; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; BORDER-LEFT: medium none; WIDTH: 62px; COLOR: windowtext; PADDING-TOP: 1px; BORDER-BOTTOM: windowtext 0.5pt solid; FONT-STYLE: normal; FONT-FAMILY: Arial, sans-serif; WHITE-SPACE: normal; TEXT-ALIGN: center; TEXT-DECORATION: none" x:num>
</TD><TD style="BORDER-RIGHT: windowtext 0.5pt solid; PADDING-RIGHT: 1px; BORDER-TOP: medium none; PADDING-LEFT: 1px; FONT-WEIGHT: 400; FONT-SIZE: 10pt; VERTICAL-ALIGN: bottom; BORDER-LEFT: medium none; COLOR: windowtext; PADDING-TOP: 1px; BORDER-BOTTOM: windowtext 0.5pt solid; FONT-STYLE: normal; FONT-FAMILY: Arial, sans-serif; WHITE-SPACE: nowrap; TEXT-ALIGN: center; TEXT-DECORATION: none" x:num="5.3999999999999915" x:fmla="=D5-C5">
</TD></TR><TR style="HEIGHT: 12.75pt" height=17><TD style="PADDING-RIGHT: 1px; BORDER-TOP: medium none; PADDING-LEFT: 1px; FONT-WEIGHT: 400; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; WIDTH: 6px; COLOR: #000000; PADDING-TOP: 1px; FONT-STYLE: normal; FONT-FAMILY: Arial, sans-serif; WHITE-SPACE: normal; HEIGHT: 12.75pt; TEXT-ALIGN: center; TEXT-DECORATION: none" height=17>
</TD><TD style="BORDER-RIGHT: windowtext 0.5pt solid; PADDING-RIGHT: 1px; BORDER-TOP: medium none; PADDING-LEFT: 1px; FONT-WEIGHT: 400; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; BORDER-LEFT: windowtext 0.5pt solid; WIDTH: 34px; COLOR: windowtext; PADDING-TOP: 1px; BORDER-BOTTOM: windowtext 0.5pt solid; FONT-STYLE: normal; FONT-FAMILY: Arial, sans-serif; WHITE-SPACE: normal; HEIGHT: 12.75pt; TEXT-ALIGN: center; TEXT-DECORATION: none" height=17 x:num>
2000
</TD><TD style="BORDER-RIGHT: windowtext 0.5pt solid; PADDING-RIGHT: 1px; BORDER-TOP: medium none; PADDING-LEFT: 1px; FONT-WEIGHT: 400; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; BORDER-LEFT: medium none; WIDTH: 35px; COLOR: windowtext; PADDING-TOP: 1px; BORDER-BOTTOM: windowtext 0.5pt solid; FONT-STYLE: normal; FONT-FAMILY: Arial, sans-serif; WHITE-SPACE: normal; TEXT-ALIGN: center; TEXT-DECORATION: none" x:num>
77.0
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74.3
</TD><TD style="BORDER-RIGHT: windowtext 0.5pt solid; PADDING-RIGHT: 1px; BORDER-TOP: medium none; PADDING-LEFT: 1px; FONT-WEIGHT: 400; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; BORDER-LEFT: medium none; WIDTH: 62px; COLOR: windowtext; PADDING-TOP: 1px; BORDER-BOTTOM: windowtext 0.5pt solid; FONT-STYLE: normal; FONT-FAMILY: Arial, sans-serif; WHITE-SPACE: normal; TEXT-ALIGN: center; TEXT-DECORATION: none" x:num>
</TD><TD style="BORDER-RIGHT: windowtext 0.5pt solid; PADDING-RIGHT: 1px; BORDER-TOP: medium none; PADDING-LEFT: 1px; FONT-WEIGHT: 400; FONT-SIZE: 10pt; VERTICAL-ALIGN: bottom; BORDER-LEFT: medium none; COLOR: windowtext; PADDING-TOP: 1px; BORDER-BOTTOM: windowtext 0.5pt solid; FONT-STYLE: normal; FONT-FAMILY: Arial, sans-serif; WHITE-SPACE: nowrap; TEXT-ALIGN: center; TEXT-DECORATION: none" x:num="5.4000000000000057" x:fmla="=D6-C6">
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