An article on Advisor Perspectives shows a 30-year tips ladder that would take Bill Bernstein to age 104 with some of his assets. But should we all be creating bond ladders that take us out to age 104? The answer is probably not. And so this is really of only academic interest. I think the more actionable idea has to do with where he is in life at age 74, because it is at that point in your early 70s that it make sense to reassess where you are and what your health is.