Things are changing quickly. The Government Office for Science report says that half the UK population were over the age of 40 by mid-2014. By 2040 nearly 1 in 7 people are expected to be aged over 75. This will have a profound impact on people of every age. Many people delay planning (or are even ‘deniers‘) – but through youth and middle age, we need to think about the pattern of our working lives including the potential to work for longer, retrain, or work more flexibly to suit our later lives. We need to manage our finances throughout life with foresight about our later lives. And of course try and stay healthy and fit, find time for friends, think about where we’ll live; and how we’ll keep active and make a contribution. Such changes will also shape public services, such as health, social care, and transport, as well as the housing market and consumer goods and services.