I certainly agree that it's in the best interest of those at the top to make the rest of us believe retirement won't be there, and we must work-work-work to sav

I certainly agree that it's in the best interest of those at the top to make the rest of us believe retirement won't be there, and we must work-work-work to save-save-save. However: 1) I have seen it become commonplace to have several generations of a family living in the same house. 2) I have seen my grandparents struggle to afford prescriptions even with 2 pensions and social security. 3) I have seen a sibling fall into poverty despite making bi-weekly efforts to establish an emergency fund. A totaled car was all it took despite full coverage. 4) I have been a part of the crowd commuting 4+ hours round-trip a day to jobs they can't move closer to. It definitely feels as though institutions are failing us. I don't think social security will fail, but I do think they'll move the goal post on when we can retire. There are conspiracies and there's anecdote..