The World Association of Veteran Athletes has Age-Graded Tables, a set of "age factors" and "age standards" that, when multiplied by a time or distance, allow athletes of any age and event to compare their performances with that of any other athlete (go here for a calculator). Perhaps we could have the same for adjusting for major life events. But where to start?
I've seen a life stress test floating around (such as this one) to help determine susceptibility to stress-related illnesses. Perhaps we could use similar elements with a starting score of 100, where challenging life events subtract from your score, and calming life events add to it. Once you add/subtract all of your life events, divide by 100 to get your multiplier. I'll suggest some factors below - feel free to add to it!
Remember, negative numbers improve your life-adjusted time by lowering your multiplier. You can think of it as "they clocked that time despite having xxx life challenge".
|-15||Death of spouse (unless they hated your workouts, then +5)|
|-10||Recent divorce/break up (see above)|
|-7||Fired/laid off from job (unless large severance check, then +10)|
|-7||Recently had first child|
|-2||For each child in household under the age of 10 (-4 each if single parent)|
|-3||For each unruly teenager in the house|
|-3||Recently moved (unless recently moved closer to your favorite trails, then +3)|
|+8||No spouse or significant other|
|+3||Spouse shares your passion for sports|
|-3||Spouse "tolerates" your passion for sports|
|-7||Recently denounced your God/religion|
|+5||Recently found a new God/religion|
|-5||Recently quit smoking/drugs/drinking|
|-2||First time on this course/trail|
|+2||20+ time on this course/trail|