People can’t afford to save money for retirement. Especially when married. One spouse may want to but the other basically makes the decision by spending all the money as rapidly as possible.
Most people under 40 today will die at their desks.
You can always make excuses for not doing something, and people do this a lot when it comes to their retirement savings. In this case, you're blaming the married spouse--was that a discussion that you had before you married them?
p.s. If you fund a 401(k) plan, the money comes right out of your paycheck, before that evil, thieving spouse can get their grubby hands on it.