The 100-Year Life - Lynda Gratton, Andrew Scotts

Learn how to rethink your relationships, career, education and finance so you can appreciate a long and enjoyable life.

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Celebrating a 100th birthday used to be a rare occurrence. But since 2016, half the children born in the West have a life expectancy of 105 years. Due to that, it is crucial to have a well organized life with plans for the future! Lynda Gratton and Andrew Scotts will help you in this journey through the book “The 100-Year Life”.

Factors such as being mentally and physically healthy and maintaining beneficial relationships are essential. It is something that needs attention, organization and focus to achieve!

After all, what would be the point of living longer, but dragging on in later years with fatigue, pain, problems, pressures, and stress? If we want to live well in the future, we need to start preparing now. And this is exactly what the book “The 100-Year Life”, by authors Lynda Gratton and Andrew Scotts, brings us.

Got interested in organizing your life better? Stay with us in this summary and discover how!

About the book “The 100-Year Life”

“The 100-Year Life” (2016) is a guide for you to thrive in a world where people are living more and more.

The authors explain how the job market has changed, what it stands for in terms of retirement, and what adjustments you need to make to enjoy that three-digit life.

Who are the authors Lynda Gratton and Andrew Scotts?

Lynda Gratton is an administrative practice teacher at the London Business School and is the founder of Future of Work Consortium, a networking event for executives. She is also a member of the World Economic Forum, spending the last few years writing about the relationship between people and organizations.

Andrew Scott is a professor of economics at the London Business School, Ph.D. from Oxford University and an advisor to the Bank of England. He focuses his researches on the forces that affects the government and its business.

Who should read “The 100-Year Life”?

With the new reality of an ever-increasing life expectancy, the content of “The 100-Year Life” book is mainly applicable for the following people:

  • All people born in the 90s and early 2000s; 
  • Employees dissatisfied with their jobs; 
  • Parents worried about the world in which their children will live.

Moreover, it is also for people and leaders who want to ensure a quality of life for themselves and their people in the many years of life they may have ahead of them.

Main ideas of the book “The 100-Year Life”

  • For longevity, people must flee from life in 3 stages - education, work and retirement - for a life with multiple stages;
  • In order to have a life with varied stages, it is necessary flexibility and change in the way time is used;
  • A long and satisfying life needs essential aspects like relationships, happiness and health;
  • Careers that rely on specifically human skills are less susceptible to substitution by technology;
  • Visionary companies will change their policies to promote the greater longevity of their employees;
  • Long-term financial planning is needed, with belief in your skills and self-control for savings and investment plans.

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[Book Summary] The 100-Year Life - Lynda Gratton, Andrew Scotts

How important is money in centenarian life?

In this first aspect, Lynda Gratton and Andrew Scotts contextualize the changes in life expectancy that have occurred in recent decades and how it will impact all stages of life.

What are the changes in the labor market going to be?

Children born in the US in 2016 can expect to reach 100 years of age. Over the last two centuries, there has been an increase in life expectancy of two years per decade.

For some people, a long life is a burden. Others see it as a gift of infinite possibilities. In the future, people will continue to work in their eighth and ninth decades.

The labor market will change and evolve, requiring new skills and knowledge. While finances play an obviously crucial role, nonfinancial assets such as relationships, health and happiness are equally important.

People will move away from the traditional three-pillar life (education, career, and retirement) toward a multi-stage life. In such a life, people can have multiple careers, go through multiple transitions and take breaks to recharge or learn new skills.

These life transitions evoke flexibility, discovery, new perspectives, broader networks and new relationships.

What are the effects of technology on centenarian life?

In aspect II, the author explains how technology impacts on the labor market.

Technological advances make some jobs obsolete while it is creating new ones. Since 1979, the labor market has been emptied, which means that the number of high-level jobs has increased, but the number of intermediate positions has declined.

Technology has replaced many mid-level jobs and has created more jobs for skilled workers. The emptying of the medium will increase as computers take on more routine tasks, such as directing or diagnosing medical conditions.

However, technological progress and productivity change the overall standard of living, fueling consumerism and generating new industries.

The future will have entirely new sectors and jobs. Jobs that require exclusively human skills are less vulnerable to technological substitution.

What are the assets of vitality?

In this aspect, the book presents the intangible ingredients for a fulfilled and happy life. Family, friends, health and learning are the intangible but necessary ingredients for a rich and rewarding life.

These intangibles strengthen their tangible assets. For example, learning and acquiring skills increases your earning potential. Intangible benefits can be productive, vital or transformational assets.

Productive assets

Productive assets such as education and development of skills build capacities and lead to a career growth.

Learning periods can occur over 100 years of a useful life due to existing skills being outdated or the desire for foreground.

Vital assets

Vital assets include your mental and physical well-being, which you must maintain and pro-actively improve.

Healthy eating habits, regular exercise, stress management and caring relationships are crucial to a long and happy life. The outdated triple life model creates many imbalances for people who focus on work and career development for long periods of time and place their vitality assets in the background.

For a more workable arrangement, look at life in multiple stages with a longer education stage and a fragmented work stage as people shift work and time to renew themselves and build new skills.

Transformative assets

These are the ones that increase your ability to change throughout your life. Pursue three interrelated characteristics of transformation, beginning with attaining self-knowledge through a frank assessment of yourself and how you may be in the future.

The second element is the ability to create diverse networks of people drawn from a broad social circle. The third is openness to new experiences and ideas, as well as a willingness to experiment and change behaviors.

How was life divided into multiple stages?

For most of the time, people lived only two stages of life: childhood and adulthood. However, the 20th century showed the emergence of two stages: adolescence and old age.

In this way, as the three-stage life becomes impractical, Lynda Gratton and Andrew Scotts present three new phases of life: The Explorer, the Independent Producer, and the Portfolio.


Explorers observe their surroundings, discover their likes and dislikes through trial and error, and discover their natural talents. Throughout their lives, they examine their values and develop their identities.

Gathering a series of experiences prepare explorers to make choices that align with their values, interests, and skills set.

Choosing a proper educational direction, finding a rewarding job, working for a company that mirrors your values and falling in love with the right person affects the course of your life. Making the right choices takes on greater meaning if you live a century or more, the impact of bad choices also lasts longer.

Independent Producers

People can choose to become Independent Producers at various times in their 100 years of life.

New forms of entrepreneurship will emerge as people are leaving their traditional careers to engage in independent jobs, such as producing a product, providing a service or seeking an idea. Instead of trying to build a business to manage or sell, independent producers exploit the opportunities of the moment.


The portfolio stage is not age-dependent, although people in their later years may find it attractive. People at the Portfolio stage engage in a combination of activities such as work, volunteering, and pursuit of their hobbies and interests.

What is the language of finances?

Last but not least, the authors address the impact and financial care that is important in a life span of 100 years. Most people don’t understand the language and basics of finance. If you cannot predict your future, you run the risk of running out of resources too soon.

Proper financial planning depends on the efficacy - the belief in your ability to accurately assess your finances - and your self-control to follow a saving plan. You should develop financial literacy through research and study.

It is important that you manage your portfolio by diversifying your risk rather than invest heavily in specific companies or in your employer. Reduce your risk as you approach your retirement age and protect your income during retirement.

Time is the gift or curse of living a longer life. People want more material goods and will work longer hours to get them. However, even people who work fewer hours feel that have no time.

Outside of work, they move from one activity, task or obligation to another. A multi-stage life requires flexibility and restructure of your time so you can work, increasing longevity will further challenge existing social concepts.

Other books about living longer in a new are

In the book “How to Thrive in the Digital Age”, Tom Chatfield explains that there is a strict connection between humans and technology. He says that through advances, the human being have developed new technological tools and those tools have been shaping our behavior.

According to Paula Marques and Ricardo Cayolla in the book “A Era dos Super-Humanos” (The Super-Human Age), the future will belong for those who develop more skills and connect these skills with creativity. They also reinforce the importance of understanding “how to learn”, because we must develop the ability to learn.

Finally, in the book “Disrupt You!”, the author Jay Smith talks about the impact of disruption in the era of collectivity. Collaboration can develop a new disruptive power. Bring up talents, capital and initiative is a powerful action that, if used wisely, can solve humanity problems that we are facing nowadays.

Right, so how can I enjoy a longer and more prosperous life?

  • Expand the employer-employee relationship beyond tangible assets and create tasks to enhance people's intangible assets, such as productivity or vitality;
  • Support personal transitions by providing training, helping employees develop diverse networks, and providing constructive feedback;
  • Change practices built from the perspective of a three-step life for a multi-stage life model;
  • Consider the varied needs of men and women at different stages of their lives and provide flexibility in their schedules, timelines, and deadlines;
  • Change policies that promote old prejudice;
  • To encourage people to spend time experimenting and renewing, stop penalizing candidates for time gaps in their CV.

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Book 'The 100-Year Life'