11) Current Students: While some make strategic mistakes by over educating themselves in Trans-Womyn-BIPOC-LessAbled-MaleMenstruation-Kathmandu Studies for an 8 year PhD, I was still a student until 22 or 23. $0 in savings.
12) Welfare Recipients: They purposefully avoid accumulating capital so that they can continuously qualify for my money. $0 in savings.
13) Non-IRA Savers: They may have savings, but choose not to save in a government approved and regulated account. $0 in savings.
14) Reproductively Prolific: They have LOTS of children, who are their retirement security. In my lifetime, I know of people who lived among their offspring serially. That was always the plan. $0 in savings.
15) Government Employees: Their pensions are golden, so why bother? Live for today, your retirement is covered by me. $0 in savings.
16) Others with Golden Pensions: See immediately above.