{"id":318358,"date":"2021-08-08T02:29:00","date_gmt":"2021-08-07T23:29:00","guid":{"rendered":"https:\/\/en.buradabiliyorum.com\/brett-arendss-roi-get-rich-live-longer\/"},"modified":"2021-08-08T02:29:00","modified_gmt":"2021-08-07T23:29:00","slug":"brett-arendss-roi-get-rich-live-longer","status":"publish","type":"post","link":"https:\/\/buradabiliyorum.com\/en\/brett-arendss-roi-get-rich-live-longer\/","title":{"rendered":"#Brett Arends&#039;s ROI: Get rich, live longer"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_84 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6a283f0ac6599\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #dd3333;color:#dd3333\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #dd3333;color:#dd3333\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6a283f0ac6599\" checked aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/buradabiliyorum.com\/en\/brett-arendss-roi-get-rich-live-longer\/#New_research_raises_the_stakes_for_saving_and_investing_early\" >New research raises the stakes for saving and investing early.<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/buradabiliyorum.com\/en\/brett-arendss-roi-get-rich-live-longer\/#Brett_Arends\" >Brett Arends<\/a><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<p>&#8220;<strong>#Brett Arends&#039;s ROI: Get rich, live longer<\/strong>&#8221;<\/p>\n<h2 class=\"article__subhead\" itemprop=\"alternativeHeadline\"><span class=\"ez-toc-section\" id=\"New_research_raises_the_stakes_for_saving_and_investing_early\"><\/span>\n  New research raises the stakes for saving and investing early.<br \/>\n<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><\/p>\n<div class=\"column column--full article__content\">\n<div class=\"article__side\">\n<div class=\"container--sticky not-active\">\n<div id=\"cx-next\" data-nosnippet>\n              <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div id=\"js-article__body\" class=\"article__body article-wrap at16-col16 barrons-article-wrap\" itemprop=\"articleBody\" data-sbid=\"WP-MKTW-0000361544\">\n<div class=\"barrons-article-ad-wrapper\">\n<div data-track=\"barrons-article-ad-wrap\" class=\"barrons-article-ad sticky_item\">\n<div class=\"barrons-main-article-ad-target sticky_target body_ad\" aria-hidden=\"true\"><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div data-layout=\"\n                inline\" data-layout-mobile=\"\" class=\"\n          media-object\n          type-InsetArticleReader\n              \n              inline\n  article__inset\n          article__inset--type-InsetArticleReader\n              article__inset--inline\n  \"><\/p>\n<div class=\"media-object-article-reader\">\n<div class=\"audioplayer\" data-sbid=\"WP-MKTW-0000361544\" role=\"region\" aria-label=\"Listen to Article\" tabindex=\"-1\" id=\"articlereader\" data-show-title=\"false\" data-theme=\"wsj-article-reader\" data-show-header=\"false\" data-show-subscribe=\"false\" data-ads-enabled=\"true\" data-save-publication=\"false\">\n        <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>       Here\u2019s another good reason to start saving as much as possible and as early as possible, instead of putting off retirement savings until your middle years.<\/p>\n<p> The more money you\u2019ve got by the time you\u2019re in your 40s, the more likely you are to make it past 70. The advantage is pretty hefty. Those with about $140,000 more money to their name by their late 40s are 13% less likely to die by 70.<\/p>\n<div class=\"paywall\">\n       And it\u2019s true even when you exclude all other factors, such as whether (for example)\u00a0you are\u00a0better educated, or come from a more advantaged background.\u00a0It\u2019s true even among siblings and twins.\u00a0Identical twins as well as fraternal ones.<\/p>\n<p>So finds\u00a0a <a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/jamanetwork.com\/journals\/jama-health-forum\/fullarticle\/2782410\" class=\"icon none\">new research study <\/a>published in the Journal of the American Medical Association. It\u2019s based on a unique and valuable database of more than 5,000 Americans tracked through MIDUS or the Midlife in the United States Study. Participants were interviewed in the mid-1990s. Researchers then followed up in 2019-2021. (It\u2019s not clear how much Covid affected the numbers.)<\/p>\n<p>The average participant was around\u00a0age\u00a047 in the mid-1990s, when first interviewed, and either was (or would have been) around 70 in the follow up. Most of the initial participants survived: More than 4 out of 5 made it. But the differences when sorted by wealth were dramatic. \u201cThis cohort study found that wealth accumulated at midlife was associated with longevity in U.S. adults,\u201d the researchers found. \u201cA difference of $139,000 in net worth was associated with a 13%\u00a0relative decrease in the probability of death nearly 24 years later,\u201d they wrote. And that was true within families. \u201cThe sibling and twin with more wealth tended to live longer than their co-sibling or co-twin with less wealth,\u201d they found.<\/p>\n<p>There are multiple reasons for this. Those with more money are likely to get better healthcare. They are likely to live in safer and healthier neighborhoods. They are likely to have dangerous or physically demanding jobs. And they are likely to suffer from less economic stress. Worrying about money, or about losing your job, can take a heavy toll.<\/p>\n<p>No, this isn\u2019t the first study to find or suggest <a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/academic.oup.com\/aje\/article\/173\/2\/192\/99467\" class=\"icon none\">a link<\/a> between money and longevity.<\/p>\n<p>Research a few years ago found, horrifically, that the life expectancy gap between the richest 1% and the poorest 1% was more than a decade. \u201cThe gap in life expectancy between the richest 1% and poorest 1% of individuals was 14.6 years\u2026for men and 10.1 years\u2026for women,\u201d <a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/www.ncbi.nlm.nih.gov\/pmc\/articles\/PMC4866586\/\" class=\"icon none\">wrote researchers in 2016<\/a>.<\/p>\n<p>Admittedly they\u2019re comparing extremes\u2014the richest and poorest 1% \u2014 but that gap is remarkable.<\/p>\n<p>But the latest study goes further than past research, because the database helped researchers isolate wealth as an independent factor on its own. Especially by looking at the lives of siblings and twins. So midlife wealth was associated with a better chance of making it to 70 even after accounting for sex, parents\u2019 education or ethnicity, all of which are also factors. (Men, those whose parents had less education, and people of color all face a higher risk of dying young.)\u00a0\u00a0<\/p>\n<div id=\"cx-membership-tile\"><\/div>\n<p>And it shows that the wealth effect on health kicks in early. It\u2019s not enough to have money by your 60s. You want to have it by middle age.<\/p>\n<p>OK, all of these studies have limitations. For example, do richer siblings live longer than poorer ones because they are rich, or are the longevity and the wealth symptoms of other factors? Someone suffers terrible bad luck and tragedy in their life. They end up poorer and they also die young. Did they die young because of the money or the bad luck? You can ask the same of people who make unwise life choices. Give someone who is self destructive a pile of money and they may live longer, or it may bring them to disaster sooner.<\/p>\n<p>We <a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/www.ncbi.nlm.nih.gov\/pmc\/articles\/PMC6868325\/\" class=\"icon none\">already know<\/a> from other studies that the poor are more likely to become obese and obesity can kill you. But does poverty make you obese, or are poverty and obesity both products of other factors? (Incidentally, although eating healthy food <em>can<\/em> cost a lot, it certainly doesn\u2019t have to.)<\/p>\n<p>There are obvious public policy imperatives that come out of this research, including everything to do with tackling poverty and the causes of poverty. But there are also personal finance implications.<\/p>\n<p>Nonetheless, if we accept that money helps you live longer, this raises the stakes for saving and investing early. Those who start saving in their 20s have an advantage over everyone else that they\u2019ll never lose. The math on this is unambiguous. Thanks to compound interest, a dollar invested in your mid-20s is probably worth three or four times as much for your ultimate retirement than a dollar invested in your mid-40s.<\/p>\n<p>Bottom line? Save often, save early. It could save your life.<\/p><\/div>\n<\/div><\/div>\n<p><\/p>\n<div class=\"byline article__byline\">\n<p>    <span>By<\/span><\/p>\n<div class=\"author mobile-scrim hasMenu\" data-scrim='{\"type\":\"author\",\"header\":\"Brett Arends\",\"subhead\":\"The Wall Street Journal\",\"list\":[{\"type\":\"link\",\"icon\":\"bio\",\"url\":\"https:\/\/www.marketwatch.com\/topics\/journalists\/brett-arends\",\"text\":\"Biography\"},{\"type\":\"link\",\"icon\":\"twitter\",\"url\":\"https:\/\/twitter.com\/BrettArends\",\"text\":\"@BrettArends\"},{\"type\":\"link\",\"icon\":\"email\",\"url\":\"http:\/\/www.marketwatch.com\/news\/mailto:barends@marketwatch.com\",\"text\":\"barends@marketwatch.com\"}]}' itemscope itemprop=\"author\" itemtype=\"http:\/\/schema.org\/Person\">\n<h4 itemprop=\"name\"><span class=\"ez-toc-section\" id=\"Brett_Arends\"><\/span>Brett Arends<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/p><\/div>\n<\/div>\n<p><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script><\/p>\n<blockquote><p><strong><span style=\"color: #ff6600;\">If you liked the article, do not forget to share it with your friends. Follow us on\u00a0<span style=\"color: #ff0000;\"><a style=\"color: #ff0000;\" href=\"https:\/\/news.google.com\/publications\/CAAqBwgKMLG0nwswvr63Aw\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Google News<\/a><\/span>\u00a0too, click on the star and choose us from your favorites.<\/span><\/strong><\/p><\/blockquote>\n<blockquote>\n<p style=\"text-align: center;\">For forums sites go to <span style=\"color: #ff9900;\"><a style=\"color: #ff9900;\" href=\"https:\/\/forum.buradabiliyorum.com\/\" target=\"_blank\" rel=\"noopener\">Forum.BuradaBiliyorum.Com<\/a><\/span><\/strong><\/p>\n<\/blockquote>\n<blockquote>\n<p style=\"text-align: center;\"><strong>If you want to read more <a href=\"https:\/\/buradabiliyorum.com\/en\/category\/news\/\" data-internallinksmanager029f6b8e52c=\"2\" title=\"News\" target=\"_blank\" rel=\"noopener\">News<\/a> articles, you can visit our <span style=\"color: #ff9900;\"><a style=\"color: #ff9900;\" href=\"https:\/\/en.buradabiliyorum.com\/news\/\" target=\"_blank\" rel=\"noopener\">News category.<\/a><\/span><\/strong><\/p>\n<\/blockquote>\n<p><span style=\"color: black;\"><a style=\"color: #ff9900;\" href=\"http:\/\/www.marketwatch.com\/news\/story.asp?guid=%7B20C05575-04D4-B545-7584-48966CF273F8%7D&#038;siteid=rss&#038;rss=1\" target=\"_blank\" rel=\"noopener\">Source<\/a><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>&#8220;#Brett Arends&#039;s ROI: Get rich, live longer&#8221; New research raises the stakes for saving and investing early. Here\u2019s another good reason to start saving as much as possible and as early as possible, instead of putting off retirement savings until your middle years. The more money you\u2019ve got by the time you\u2019re in your 40s,&#8230;<\/p>\n","protected":false},"author":1,"featured_media":318359,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"fifu_image_url":"","fifu_image_alt":"","footnotes":""},"categories":[70897],"tags":[],"class_list":["post-318358","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"_links":{"self":[{"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/posts\/318358","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/comments?post=318358"}],"version-history":[{"count":0,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/posts\/318358\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/media\/318359"}],"wp:attachment":[{"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/media?parent=318358"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/categories?post=318358"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/tags?post=318358"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}