I was hoping you'd suggest something.
You seem to have all the answers and all the statistics at your fingertips.
The future is unknowable, and to a great extent out of my control. And in the middle of it all, comes the smiling mortician. How, or even if, I can deal with it is not clear, but I will do what I have to to survive as best I can.
What I will not do is put up with jerks who tell me that my misfortunes are my own fault because I'm stupid or I'm lazy or because I'm a coward.