Everybody wants to be happy all the time. Unfortunately, there are a lot of unhappy and lonely people all around us, especially post pandemic. This post looks at happiness by age.
It’s interesting to see how much happiness changes at different points in our lives. Thankfully, we tend to get happier as we get older.
How Happy Am I Currently?
We should all ask ourselves how happy are we currently.
Today if I were to rate my happiness on a scale of 1 – 10, 10 being deliriously happy, I would give myself an 8. Historically, I’d say my happiness probably fluctuated between a 5-7 during my high school years, a 7-9 in my college years, and a 6-8 in my 20s and early 30s.
High school was stressful because I knew so much of my future was riding on getting good grades and SAT scores. Combine academic pressure with athletic demands and peer pressure to be “cool,” I wonder why more kids don’t fall into the deep end, especially with absentee parents working all the time.
College was pretty exhilarating due to all the sudden freedom. Food was plentiful and the parties outrageously fun. Being able to date so many people was a blast. Oh yeah, and learning new subjects was a nice benefit too.
The only real pressure from college came from the expectation of finding a good job. Spending four years of time and lots of money only to end up with nothing would be a great disappointment.
The relief of actually getting a full-time job catapulted my happiness to a 9. But the happiness didn’t last due to the 70+ hour work weeks. Getting in before sunrise and leaving after sunset got depressing after a while. My happiness tumbled to a 6 when I realized all my work in college had led to one big endless grind.
Even a generous promotion at age 27 only made me a 9 level happy for a couple months. Then it was back to being a whipping boy for clients and playing corporate politics. By 2011, my happiness again dropped to a 6. The financial crisis had taken its toll and I was tired of doing the same crap.
It was in October 2011 while drinking an overpriced Mythos beer at the top of Santorini, Greece that my happiness rocketed to a 10.
I was overlooking the crater on a sunny 78 degree day and had just earned $1,200 via Paypal from an advertising client in the span of 30 minutes. It wasn’t the money that made me happy, it was the realization that I found a way out of prison.
Then Happiness Came Tumbling Down
Ever since I engineered my layoff in 2012 at the age of 34, my happiness level has stayed between 7-8, with only brief moments of 9-10.
I attribute my happiness to an incredible wife, the growth of Financial Samurai, good health, and a bull market. But one day my happiness took a tumble, and it stayed around a 5 for about three weeks.
During these three weeks, I experienced tremendous lower back pain – pain I hadn’t suffered in over 15 years. Online, I was being judged by non-parents regarding my insurance plan for my son’s future.
Offline, I was tired because I stubbornly kept a rigorous posting schedule despite now being a full-time dad between 8am – 10pm every day since birth.
Having children creates so much joy. But children also bring about misery due to constant exhaustion and worry.
Check out the best reason to retire early where I talk more in detail about my happiness journey.
Happiness By Age Across The World
As any rational person would do, I began researching whether something was wrong with me. Here are some interesting charts on happiness and age I found. Can you see any patterns?
Well what do you know. At the age of 45, I’m in the beginning stages of “the trough of unhappiness.” In America, we experience a dip in happiness between the ages of 35 – 60.
Even in the European Union, where many of the happiest countries in the world are located, there’s a trough of happiness between 35 – 60. If you can live past 60, the good thing is that happiness generally improves until death.
The only country where you don’t want to live is Russia, where from birth happiness is on a continuous decline! No wonder why the Russians like to meddle with other country’s politics and go to war with its neighbor, Ukraine. They wanted out of the motherland after realizing how good others got it.
What Happens Between The Age Of 35 – 60 To Cause Unhappiness?
You would think that being financially independent at 40, owning a sustainable lifestyle business, receiving regular positive feedback from readers, and having a family would give me maximum happiness.
But it has not due to three main reasons.
1) Hedonic adaptation.
The beautiful thing about the human spirit is that even in dire situations, we have the ability to keep hope alive. At the same time, even if you have every thing you want, the happiness boost never lasts long. We always revert back to our steady state of happiness over the long term.
Think about all the good things that have happened to you: getting into college, getting a job, getting a promotion, getting a raise, finding a partner, finally feeling rich, buying your dream home, having a baby, making a best friend etc.
Each event might give you a 1 or 2 point boost, but sooner or later, the boost will fade as responsibility kicks in. It’s kind of sad really.
2) Sandwiched in the middle.
As a new father, I feel the strains of taking care of my little one. His mom and I are his guardian, physical therapist, educator, and caretaker all-in-one. At the same time, our parents are over 70, and they can no longer walk, climb stairs, drive, remember, and think as they once did.
Folks between the age of 35 – 60 are dealing with the responsibility of caring for two generations, while usually also managing their careers. Financial strain may come into play due to the cost of healthcare, day care, and assisted-living care.
Our stress comes from being 5+ hours away by plane from both sets of parents. We worry about basic things like whether they’ll be able to safely maneuver the stairs without falling.
It would be amazing if they all came to the Bay Area so we can check in on them every week. But they are set in their ways, so it’s up to us to move as soon as our son can become a little more independent.
Below is a great chart that shows how happiness dips for parents. Parents are least happy when their kids are 5 and in their teenage years. After the children leave the nest, happiness returns! Before having more children, really think about this chart.
3) Fading Health.
After turning 40 I suffered back pain for the first time since my 20s, sprained my left ankle playing tennis, and tore muscles in both quadriceps playing softball. What the hell? The left ankle sprain happened even though I was wearing an ankle brace.
We were 2 hours, 10 minutes into a match when I went the wrong way guessing for an overhead smash. Both quads were strained because I had not properly warmed up. I hadn’t gone from a standing position to a full sprint after hitting a ball in over a decade.
Our bodies rarely keep up with our minds because most of us are no longer manual laborers. My mind is strong because I exercise it every day thanks to this site.
But my body is weak because I don’t work out, don’t stretch, and only play a sport at most three times a week. Nothing is worse than being injured or sick, especially when it rarely happens.
Happiness by age largely depends on your mental and physical health.
Money Is Just One Part Of Happiness
To be a truly holistic site that helps people, going forward, it’s important Financial Samurai focuses more on Relationships and Health instead of just wealth creation. After all, we can have all the money in the world and it will mean nothing if we don’t feel good and have nobody to share it with.
Let’s optimize for happiness by building incredible friendships, staying in great shape, and building passive income so we have the freedom to choose our lives.
The next time a 35 – 60 year old makes you feel bad, give them a pass, including myself. And if you want to really get a happiness boost, find some 70+ year olds to hang out with. They might even teach you a thing or two about living a wonderful life.
Let’s try to improve our happiness by age at every age. If we get our finances and our health right, our happiness should increase.
Recommendation For Greater Happiness
If there’s one thing the pandemic has taught us, it’s that life is not guaranteed. Uncertainty causes unhappiness. We must do everything we can to protect our children while they are still dependents.
As a result, please get life insurance if you want to boost your happiness. Not only should you get enough life insurance to cover your liabilities, your life insurance term should last long enough to get them through college.
Getting life insurance provides mental stress relief. With less stress, comes more happiness!
The best place to get life insurance is through PolicyGenius. PolicyGenius will help you find the best plan for the lowest price tailored to your needs. PolicyGenius provides free, no-obligation quotes so you can get the best rate.
In the past, you would have to get a life insurance quote by applying to individual carriers – the process was completely opaque. Now, you can have multiple qualified life insurance carriers compete for your business after applying on PolicyGenius. It’s so much more efficient!
Both My Wife And I Are Set
After eight years of owning life insurance, my wife decided to check on PolicyGenius for free to see if should could do better. Lo and behold, my wife was able to double her life insurance coverage for less money. All this time, she thought she was getting the best deal with her existing carrier.
If you don’t have life insurance, please get life insurance before you need to. Life insurance gets more expensive the older you get. If you get sick, depending on the severity of your sickness, you might not be able to qualify.
If you do have life insurance, I highly recommend checking PolicyGenius to try and get a better deal. Chances are high you’re not getting the best terms. Let’s protect our family!
Pick up a copy of Buy This, Not That, my instant Wall Street Journal bestseller. The book helps you make more optimal investment decisions so you can live a better, more fulfilling life.
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