Uncle Troll said:

Can you predict the outcome of a coin flip? Suppose you flipped a
coin 10 times and guessed right 8 of them. Does that mean you can
actually can predict coin flips? Now add this complication: You
flipped a coin 10 times and you were WRONG 8 of them. What does this
mean? Think about it.

The meaning I see is that your retirement is turning your brain to
mush.