Good you shouldn’t retire if you can’t afford it.
I’m probably in that class of people, but for different reasons. So what? I hit 72, I’ll just work part-time for some money. There was a time in this country when most people worked until they died, anyhow. As I understand it, retirement for the masses is still a relatively new concept, something adopted over the past century.
These people haven’t purchased a home yet? I am a poor man, but in my day I was pulling in 80K with my spouse. We bought and sold four houses. One of them we sold for 247K after purchasing for 149K 18 months earlier. Through hard work on weekends and the market moving. We ended up with money to buy a new car, pay of ALL debts, and put some away.
GET OFF YOUR ASSES AND WORK HARD, work weekends with lights on in the rooms until the house you can buy cheap shines. I did it 4 times. I am just a house painter, wife was a parts counter person at a car dealership.
Once again WORK. Complain after you got it pretty much going on, and you find out you have terminal ______. Or keep on keeping on.