I m 61 yo woman and go to gym and lift weights 4 times a week, I train like a powerlifter with the focus on strength and muscle, lift heavy and push myself, also do rope skipping for cardio. I am often the oldest person there and the only person in my social circle who trains and walks!! I still work a physical job and can pick up the boxes of soda bottles with ease, it's part of my job to organise the drinks. I cut my own lawn and do all my own housework, I don't have a car so I carrry my groceries with ease, cook all my own meals. It is possible to maintain and improve muscle and strength as we age, I am stronger now than when I was 20. The problem is 99.99+% of people don't want to do hard things, they would rather take pills and embrace frailty. Anybody interested in avoiding frailty should check out "The barbell prescription" by Dr Jonathan Sullivan
Get yourself a good wheelchair and a wall size TV with a remote control. The mattress is important. Get larger clothes - you're gong to balloon in size from inactivity.Gym memberships are always a waste of money - The companies count on you not going. You're right on insurance - get all you can, because you're going to be going to the doctor all the time. Recognize that after 75 you are a burden on others, and move into a retirement home before your kids force you.
