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this post was submitted on 19 Nov 2023
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Luck is more important than time. Eg. Ill health, caring for children/relatives, debt, mental health issues, etc. You can do everything right and still lose. That is life. In this hypercapitalist and often unequal system, it is more likely that you will lose.
A lot of people haven't saved enough for retirement. Not all of them did so out of ignorance. They simply had no choice but to prioritise the short term. More than you think, they're too ashamed to be honest about it, even if it's arguably not their fault.
Not you because you were simply responding to a comment, but this is why I strongly recommend people don't lecture too much when it comes to retirement and check their privilege. A lot of people are simply unaware of the privileged position they're in, would prefer not to think about how easy it is to lose everything, and that most people simply can't afford to invest even if they wanted to.
Eg. My current pension plan is to not live beyond 65. It's deeply sad, but it is what it is. I try to focus on the here and now. I'm lucky enough to have a roof over my head, but you'd be surprised how many homeless people have degrees. Hard science degrees too. People with decades of experience. It's scary.
Eg.
https://invisiblepeople.tv/how-highly-educated-people-end-up-on-the-streets/
The problem comes when you are 65 and you decide it would be real nice to live to 66. And then you turn 66 and decide it would be real nice to live to 67. I have spoken to many people and they almost universally decide to live another year, just as you, today, have decided to live another year.
If given the option I will 100% of the time take being lucky over being good. That said I'm still saving like crazy because I do not want to work until I die.