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John Maynard Keynes suggests that as people get older, their priorities tend to shift away from creative or entrepreneurial pursuits and more towards financial stability and security. Keynes is observing that most individuals become more risk-averse and concerned with preserving what they have already built or accumulated as they age, rather than taking on new challenges or ventures that could disrupt their existing situation.
The quote implies that younger people may be more willing to take risks in order to build something new, whereas older individuals place greater value on maintaining what is already established in their lives from a financial perspective.