That's what they all say. Then it's "damn, I should have not spent money like I was going to die, I should have invested, I should have taken care of my health, I should have spent more time with my family that is no longer around"

The SSA has a neat Actuarial Life Table, which informs how long the average person of a specific age will live. As you get older, your average life-span actually increases, as we can now factor out that you didn't die at 0, 1, 2, 3, 4...38, 39 years of age.

The average adult male, 40, lives until they are 77, female 81.