Hell even beyond saving up a lot of money...
http://www.businessinsider.com/how-m...irement-2016-3
Only 18% of the bottom 60% of workers (aged 32-61) have retirement savings... IE: 82% of them have no retirement savings at all.
Then on top of that the median retirement savings in the US is $5,000... The average is only $95,000, and it is only that "high" (lolnotevenhigh) because of the upper 20% saving a shit ton, since the bottom 60% saves literally nothing.