OMG, Jennifer, you have HOW MANY YEARS before you need to worry about this? By the time you get to your mid-60s, a little paperclip guy will pop up on your phone (he’ll be considered cute and retro by then) and say, “I see you’re approaching an important birthday! Would you like me to help with the applicati — “

And at this point you will throw your phone on the ground and stomp on it repeatedly, while your grandkids roll their eyes and sigh and yell, “MOM! GRAMMA’S ACTING PSYCHO AGAIN!”