I don’t want to start this brand new and quite hopeful year on a sour note but the fact is I’m easily disappointed. I don’t mind setbacks. Setbacks spur me on. Whenever in my life I’ve been a bit down or under pressure and challenged in some way I have always, for some reason I can’t explain, found comfort and courage and joy in exercising. You can, I have found, literally exercise yourself into happiness. I turned 65 at the end of November which forced me to retire from my formal job at Tiso Blackstar, which produces the three publications I write columns for every week — Business Day, the Financial Mail and the Sunday Times. My bosses were kind enough nonetheless to agree on a contract which allows me to carry on writing as much as I ever did. That’s good. I like it. But still I approached my actual retirement with some trepidation. I’d been getting a pay cheque every single month since 1978. What would happen when it no longer arrived? I got lots of financial advice and thankfull...

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