People should prepare for the later stages of their life as they would starting a family or helping a child gain independence.

人们应该像准备组建家庭或帮助孩子独立那样，去准备晚年的生活。

Seek financial advice to help adapt to changes in your income and plan for the costs of health care, Mr. Kaplan wrote. Discuss with your family and friends what you expect from old age and what type of lifestyle you desire.

凯普兰在信中说，在适应收入变化和规划医疗开销方面，应该去寻求财务建议。和你的家人、朋友谈一谈你对老年生活的期待，你希望能有怎样的生活方式。

Embrace the positives

接纳正能量

Older adults are generally happier and less stressed and worried than middle-aged and young adults, Mr. Kaplan wrote.

年长者普遍比中青年人更快乐，压力和担忧更少，凯普兰写道。

Although there can be declines in health and income, “the vast majority of older adults enjoy improvements in the emotional aspects of life” because they are more focused on positive information, he wrote.

他写道：尽管健康状况和收入可能有所下降，“绝大多数老年人在生活中的情感方面都得到了改善，”因为他们更注重积极的信息。

Mr. Ludwig said the reality of aging was not as bad as stereotypes would suggest.

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