In 2040 I am retired, but due to a flexible labor market I still have some working hours, especially online.
The help I and other retirees need (at home) is customized to the individual due to the use of AI.
The content of education has also become more individualized - while children and young people are also learning how to behave socially.
Private motoring has been largely eliminated; a number of vehicles are available; they come and pick you up themselves. This saves on car and parking costs.
An annual health check (voluntary) helps catch many diseases in their early stages, improving quality of life and reducing hospital costs.