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I'm 30 next month, I joined the military right out of high school, and I specifically remember them teaching us a bit about 401k's because of our ability to participate in TSP.
The instructor very clearly told us, the average American needs $1 million in their retirement account when they to to retire to live comfortably. Not extravagantly, comfortably.
Just a couple weeks ago I saw an article saying the average American now needs $2 million in their retirement account to be to retire comfortably, and this is assuming they don't have a mortgage payment, etc.
So in 11 years, the amount needed to retire comfortably has doubled, and yet my wages haven't doubled... Minimum wage hasn't increased in decades, sure they're talking about $15/hr now, but that should've been 10 years ago. With inflation, minimum wage should be around $26/hr, yet even in my blue state, it's like $15.60/hr or something, it's barely over $15.
Throw in the recent news about the inevitable and quickly approaching AMOC collapse and the climate hellscape that's going to come with it... Our futures were robbed from us for profit, and even if I started making triple what I make now, I'll never be able to retire, nor do I even have a retirement account anymore (I cashed mine out to help me during some really rough financial times right after the pandemic, y'know, when the government told the average American to go fuck themselves). And I was one of the few among my friends who even had one.
So, like many people around my age, my retirement will either be societal collapse in the next couple decades, or a bullet to the head (if I could even afford the bullet) as I die in old age, homeless, while we probably have six trillionaires at that point.