I don't feel the need for religion. But I went on a yoga retreat last year and I do believe slightly in the karma thing and just being good and true unto yourself. And I slightly believe that you can attract good and bad to you.
I think that age as a number is not nearly as important as health. You can be in poor health and be pretty miserable at 40 or 50. If you're in good health you can enjoy things into your 80s.