“I had no separate investment for retirement”
Ouch. Good luck to you.
I have no financial worries. I'll continue to get my pension and social security each month until I drop dead. I live very comfortably on it. My sons can split my life insurance. I've never owned a home, no stocks or bonds, have no pets. I have no financial complications, so there's nothing important that my kids will have to deal with when I'm gone.