Actually, the post I responded to infered that I didn’t know what a defined benefit plan is, and I was merely pointing out that planning for the future in general (and especially retirement) is something I’m pretty good at - so yeah, I’m pretty versed in the mysterious world of defined benefit plans - I won’t go into my own financial health here, as only morons reveal personal details about their lives on the internet (proof positive on this site).
As a quick side note, you do realize that your insistence that I didn’t know what I was talking about did nothing but augment my assertion that old dudes find much needed validation by trying to prove superiority on the internet, don’t you? - ironic really, but the subject has become stale, so it’s time to move on.
To answer the question in regards to cognitive devolution, who knows when the event will take place? The most important thing is to be happy with your achievements at the time. For many on this site, for a variety of reasons, that probably won’t be happening, and when the decline starts, there will only be missed opportunities to reflect upon.
Post on learned ones - I’m off to enjoy a marvelous Saturday afternoon!