The tragedy here is that if you don't see this coming 20 years out, or at 45, it's really too late. I have a few relatives who are in their mid / early 60s, and

The tragedy here is that if you don't see this coming 20 years out, or at 45, it's really too late. I have a few relatives who are in their mid / early 60s, and there is not much they can directly do outside of a huge amount of luck and "hustling" like they are 25.