Hard labor at low pay over a lifetime takes its toll on a person.

WSJ: Five Really Dumb Money Moves You've Got to Avoid

We may never see these low rates again in our lifetime, but tread carefully when refinancing.

FORBES: Five Financial Moves Not To Make At Fifty

Every major company has taken advantage of the lowest interest rates in our lifetime to lock in low cost debt for years to come.

FORBES: With The Dow At All Time Highs, Why Are Investors So Queasy?

For someone who has been building up a pool of savings for a lifetime, the cost of extraordinarily low interest rates can make some of the proposed changes in the federal tax code look like chump change.

FORBES: The Hidden Taxation of Wealthy Americans

Some of their proposed design changes strayed far from the original CLASS design, which would have made it possible for nearly everyone who worked to enroll, included a premium subsidy for students and others with low incomes, charged a fixed premium, and paid a lifetime benefit for those who were unable to care for theselves.

FORBES: What We Learned from the CLASS Long-Term Care Debacle

"At least half of all men can be identified as being at low risk and probably need no more than three PSA tests in a lifetime, " they say in the British Medical Journal.

BBC: Prostate cancer: Case to test men in their 40s

To top it off, they are missing out on, possibly, a once in a lifetime opportunity to accumulate shares of growing companies during a bad economy at low share prices.

FORBES: The 401(k) Is Not Working For Gen Y, But It Can

He also benefited from low capital gains tax rates on the homes and stocks he bought and sold in his lifetime, as did my father (also the owner of a small butcher store), and as have I.

FORBES: Paul Krugman Is Wrong About Capital Gains Taxes

Or maybe the value of the property has sunk so low that you doubt that it will come back to the value of the mortgage within your lifetime.

FORBES: Foreclosure, Deficiency Judgments and the Perils of Anti-Deficiency Statutes