LOL. I tried giving a retirement planning talk at the office. Only one person came up to me to ask questions later. Most felt their situations were hopeless. One 68-year old taking in $250K plus, said he didn't know whether he could afford to retire in Hawaii (and he has a government pension, on top of eventual SS, and his current salary).
I talked to one peer, and she said her husband doesn't want to lower his standard of living.
LBYMs isn't a strategy that seems to resonate. I talked to one new employee, who had retired from the Federal governemnt, then the private sector, and came back to the private sector at my company. He was bored, but he seemed shocked that I was planning to RE in a couple of months.
Patting ourselves on the back, or just being incredulous at people's lack of foresight? Every day at lunch time, I walk past the 60-70 year olds still coming to downtown, still w$rking in an office, and I wonder how many of them really need to, or how many could have FIRED.