read this:
https://market-ticker.org/akcs-www?post=230208
Ahem, I'm 71.5.
My sister was doing security clearance interviews for the OSI at a tiny trailer park in Texas. She said all the residents were military retirees on a pension, mostly from WWII. They were living in abject poverty, yet all had completed entire careers, some with distinction and honors. It was a wakeup call.