Genetic Make-up Evolution
In 50 years, our genetic make-up and gene-related technology will evolve to be more than just a record. It will be useful and relatively inexpensive.
This way we can figure out what to plan for ourselves, based on how we are, genetically: We’ll probably be able to intervene on the genetic predisposition of people (on conditions like Alzheimer’s and cardiovascular disease).
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As the internet and technology integrate every aspect of our lives, we would have smart algorithms to solve problems that seem daunting right now.
Things like finding the right, high paying job suitable for us, or where to save for maximum returns, tailored to our lifestyle, will be made a reality using these algorithms.
The future of Millennials, the generation born between 1981 and 1996, is hard to predict, just like the Internet was not predicted or known in 1969.
There will be new methods for earning money, new places to live, and new ways to be old in the world. And there will be challenges too, like the ever-accelerating climate crisis.
Radical changes in the way money is perceived, earned and saved will impact our lifestyle and retirement goals.
Big companies and institutions will play their part in changing the concept of money and how relevant it is in the next 50 years.
A life-long commitment to working and learning new skills will be one of the top needs of the future.
Unlike previous generations, millennials cannot just be farmers or postmen that work until the age of 60 and then retire, not knowing anything else apart from the one job done their entire lifetime.
The concept of retirement and getting the pension seems outdated and unnecessary in this age of everything being in constant motion, thanks to the digital economy and the app-based world around us.
Retirement would be an option, something a few can afford, while the rest can continue to work, albeit in a different way, thanks to technology.
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To figure out how much you need in order to retire, answer these questions:
- How long do you expect to live in retirement (early retirement = longer retirement)?
- What budget can you enjoy living on?
- How much income do you expect in retirement (Social Security, rental income, part-time work, annuities, etc.)?
Multiply by 28 the difference between answers 2 and 3. That's how much you'll need for regular retirement age. For early retirement, multiply by at least 33.
Humans have an inbuilt drive to belong and be accepted. This makes us care about what others think of us.
- In the pre-historic times, human beings couldn't survive if they were not part of a group. This makes belongingness part of our genes, which shaped our natural selection.
- In the modern age, as we get more social and mobile, it is no longer necessary to be part of a group, as it is not crucial to be accepted by everyone. It helps to know how to care less about what other people think or do.
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