When I turned 50 last year, the number didn’t hit me so hard on my actual birthday as it did when I received my first AARP membership offer shortly after. The membership offer included a free sturdy and spacious trunk-size tote. But I don’t have a car; I get around by bike.

I also don’t own a house or an apartment. I’m not married, divorced or widowed; I don’t have children. And “retirement” isn’t a word in my vocabulary — as a freelance copy editor and writer, I’ll probably be working for the rest of my life.

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