It really urks me when people tell me they can't save for retirement because they don't make enough. Yet there they are; multiple cars, an RV, motorcycle perhaps, a cell phone w/data plan, big TV, every light in the house on, using dryer instead of the clothes line, a million different things they COULD be doing to save money on expenses and they just think they are entitled to those things PLUS have enough left over to save for a retirement.
I bet if they wanted a vacation they'd save for that. I think people expect things will just 'work out' for them without any discipline towards saving at all. I have two sons that have learned from my example what it takes to save and how to make savings work for them to grow. Yes, college can be expensive, but what good is a college education if they aren't even taught the simple economics of how to work their finances to include retirement?
The worst of it is that those of us who have taken to heart the discipline to work at saving are made to feel guilty about it. Not one person I know has told me that I deserved my current financial situation. Instead they tell me how 'lucky' I am, not that I worked at saving.