Does life really begin at 40? I’m 60 and don’t even remember that birthday, but getting a kick out of life now that i’m retired. What was that all about?

Every stage is great. I think it is important to focus on the present moment, live not "for the moment", but "in the moment". Each phase of life has positive and negative elements. The more we focus on the negative, the more we may get stuck. If we can look at the possibilities, the positive, we can create good things.