As I move into the over-60 decade, I've been thinking a lot about the quality of my days, consequences of my decisions and a legacy, no matter how modest. For those who think that 60 is the new 40, I say that's denial at its best. I ran across a quote from Nietzsche recently that I'd make into a refrigerator magnet if I could, "The consequences of our actions take hold of us, quite indifferent to our claim that meanwhile we have improved."

So, given a realistic timeline for those of us of Boomer age, which do you think makes for a better philosophy? To live as if this was your last day on earth or to live as if you're immortal? What works for you?