Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Some keep working, which must get really hard at some stage.

This. My 67-year-old cousin just relocated and is looking for office work, which she's not finding. She thinks she'll have to apply to work in supermarkets. I don't understand how this is sustainable. If social security and savings are not enough for her now, will they be enough when she physically can't work anymore?

My DS16 works at a supermarket and several of his co-workers are in their 60s. They often work two jobs. Maybe at a restaurant and also at the supermarket. They’re on their feet all day, every day and stretching to make ends meet. He’s learned a lot of lessons from those coworkers.

Any job site you go to people are in their 60s. Law offices, medical offices, retail offices, political offices. Also some people don’t want to stay home and not work. They like being out in the public and keeping busy.

I had no idea or guidance from my parents when I was just out of college. We were UMC but they had both grown up LMC, first in their families to graduate college. I realized my friends were saving for retirement but then I went to grad school. I did not start until age 30, but 30 years later will have a federal pension and have over 2M in my TSP and will have max SS when I take it. We are lucky that our parents, 4 sets b/c divorce, are all fine financially.

I make it a point to talk with the young people I supervise about investing for retirement.

We talk with our kids about the importance of retirement savings starting early.