There’s an old saying that I heard when I lived in the Pennsylvania Dutch Country decades ago: “Too soon old. Too late smart.” I spent a year there when I was nineteen, still young enough to believe that these words held no relevance for me—then, or ever. The old folks who quoted the saying (who, now that I think about it, weren’t nearly as old as I believed at the time) would often accompany it with a chuckle and a rueful shake of the head. I, armored by my youth, would feel somewhat superior and amused at the corniness of it all. With no earthly clue what they really meant. But now, on the cusp of being eligible for Medicare, […]




