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And that is why, when attempting to balance and evaluate their investment port-folio, people often err by failing to knock down mental walls among accounts. As a result, their true portfolio mix—the combination of stocks, bonds, real estate, insurance policies, mutual funds, and the like—is often not what they think, and their investment performance often suffers.

Winfree came from a family in which no one had gone to college. He got started, he would say, by not having proper education. His father, rising from the bottom of the life insurance business to the level of vice president, moved family almost yearly up and down the East Coast, and Winfree attended than a dozen schools before finishing high school. He developed a feeling that the interesting things in the world had to do with biology and mathematics and a companion feeling that no standard combination of the two subjects did justice to what was interesting. So he decided not to take a standard approach. He took a five-year course in engineering physics at Cornell University, learning applied mathematics and a full range of hands-on laboratory styles. Prepared to be hired into military-industrial complex, he got a doctorate in biology, striving to combine experiment with theory in new ways.

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But it’s more than an absence of spouses that complicates caregiving and companionship later in life. People are having fewer children, if they have children at all. This, in combination with marriage trends, has increased the number of older adults with no close family ties—a group of people whom sociologists call “elder orphans,” “solo agers,” or “kinless.” Researchers estimate that one in five older adults is an “elder orphan” or at risk of becoming one, a figure that is likely to grow in coming years. Like marriage, having children isn’t a surefire insurance policy for caregiving. Adult children might not live close to their parents, or their kids might not have the capacity to help. Daughters, historically the country’s default caregivers of aging parents, can’t be taken for granted as a source of uncompensated caregiving these days. Far more women are in the paid labor force and would jeopardize their economic security or their family’s if they quit their jobs to take care of their parents. (Nevertheless, on average, daughters spend far more time caring for their aging parents than sons do.) Because Americans are having kids later in life, it’s common for children with aging parents to be raising children of their own at the same time; these are members of the so-called sandwich generation. Unable to manage both forms of care, these adults may focus on their kids and outsource care for their parents.

I watch the news. I read things. I know that in the United States, women kill their husbands more than they do in almost any other country. For every one hundred men who kill their wives, there are something like seventy-five women who kill their husbands, if not more. Some people say it’s more like fifty-fifty. When men kill their wives, often it starts with some sort of psychological abuse. Stalking. Manipulation. Gaslighting. But when women do it, it’s usually because she’s already determined that she’s going to die if he doesn’t. But that’s not always the case. Women kill for different reasons other than fear or in self-defense. Sometimes they kill because they’re jealous, because they’re worried their spouse is going to leave them, for life insurance payouts, or some combination of the three.

Dollars to donuts you’re looking at ODs there,” said Kemper, pointing to some young people getting out of cars and heading to one of the gravesites. “Over eighty thousand people in America this year alone,” she added. “More than died in Vietnam and the wars in the Middle East combined. And far more than die in traffic accidents or by guns, and it’s only getting worse. Next year we’ll probably be looking at over a hundred thousand dead. The opioid crisis is actually responsible for the life expectancy in this country starting to go down. Can you wrap your head around that? Nearly a half million dead since 2000. Drug overdoses are the leading cause of death for Americans under age fifty. We had a recent study done at DEA. Life insurance companies value a human life at about five million bucks. Using that number and other factors, our people projected the economic loss to the country each year due to the opioid crisis at about a hundred billion dollars. A third of the population is on medication for pain. And they’re not getting addicted on street corners. They’re getting addicted at their doctors’ offices.” “From prescription painkillers.

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