Many people over forty have at least one health condition that affects their ability to work a forty hour work week effectively. Human Resources (HR), doctors and governments have known this fact for decades.

Time spent effectively can be compensated.

You will not be able to effectively utilize your inherited wealth if you do not work diligently.

Having no applicable skills, in any possible area whatsoever, effectively makes me the master of redundancy. But that info is obsolete, like my insults dictionary, which I stole.