> 30+ years seems like enough time to pick up some skills to earn above minimum wage ... at some point you have to learn enough life lessons to understand that

> 30+ years seems like enough time to pick up some skills to earn above minimum wage ... at some point you have to learn enough life lessons to understand that retirement is going to _suck_ if you don't save anything. Most people manage to learn this before ~40 y.o You can learn all of that and spend decades struggling to afford food. All it takes is not being lucky enough to avoid extremely common catastrophes.