It would take a hell of a lot more than that to start that planning process. When I turned 40, I went to the Dr. she told me I had high cholesterol, high blood pressure, obesity ( thought I was just fat), diabetes, arthritis, a hernia and my bronchitis had returned. I knew I was balding, inactive and my spare time I played chess. I realized I became the guy I used to beat up school and told , I was two buck teeth away from killing myself. That was 20 years ago next month.