The gal that wrote the article is around 40 years old. Assuming her husband is a similar age, they both have 25+ years of work left if their health holds out. I barely had a pot to p*ss in when I was 40.
LOL!!! Being an average Americans I started REAL planning for our future in our fifties...while not wealthy we have a comfortable retirement....they need to learn from their mistakes and get on with the rest of their lives!!!