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I save every cent I can. That's it. No real plan just save save save. No "new" cars or stupid expenditure.
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Good luck, but I hate to hear stories like that. A good friend lost his dad way too young, just as he was retiring. Opened my eyes to make the most out of life and not wait for something that might not come.
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^ those folks don't retire comfortably. Those folks scrape by as best as they can and are probably pretty miserable.
Other folks learn to tighten up and get by on SS.
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Retirement, when you really do what you want and dont need to scramble, is rare. Sure, many of us will be fine but the same folks that are in debt, can only shop at walmart, dont have a reliable income... will be doing the same until they die.