Isn’t the reality that not everyone gets to retire?
If you don’t have $1000 to your name, even if you’re 60 whatever, and it’s “about the time people retire” - you probably can’t retire and will be working until much later in life or never be able to retire at all depending on your other sources of income. At least that’s my understanding; that retiring is a (fairly new) privledge and not something we all get to do at the same time, or with some ‘standard lifestyle guaranteed’.
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