I did the job of preparing myself for retirement, so my way of thinking works. At 64 years old, I still enjoy working in my own business, which pays very well. I've invested in rental properties that are debt-free and pay handsomely every month. When the time comes to take Social Security, I'll be making well over the amount needed to live on. 

My comment was in regard to those people who didn't have the control over their lives that I've had, and will retire in debt with very little income. My heart goes out to those people and I thank God everyday that I haven't the worries that so many other people do. 

I've lived long enough to know that fortunes come and go.Your criticism is misdirected.