Subject: Re: Thoughts on Berkshire withdrawal strategy
Of course this is an oversimplification - there all all sorts of intermediate risk groups, not just these 3 broad groups. But the point is that if you are a relatively healthy 65 year old, your life expectancy will be much longer than the average for ALL 65 year-olds. When you are planning how much you can safely remove from your savings each year, this can make an important difference.

Oh there’s an easy one that predicts life expectancy differences of 20% or more of adult outcomes: whether you are a knowledge worker or a blue collar worker:

“Studies indicate a disparity in life expectancy between knowledge workers and blue-collar workers, with knowledge workers generally having a longer lifespan.
Here's a breakdown of the findings:

Overall Life Expectancy: Mean total life expectancy is reported to be highest among executives and managers at 73.2 years, followed by clerical workers (also knowledge workers) at 72.0 years. Unskilled blue-collar workers are found to have the lowest mean total life expectancy at 63.65 years.”

I’m guessing that the calculations are close or similar until the person reaches adulthood (probably not, actually, given poverty, localized crime rates, etc.) but once age 20 is reached, the outcome changes pretty dramatically: from 43 years for grunt work to 53 years for think work.

That is quite a statistically different outcome.