Never bought a share of stock, no 401K, and just enough money in the bank to make it to next pay day. The cherry is that I managed to make it through 62 years of living on the financial edge and now with a guaranteed pension and Social Security I’m pulling down 76K a year, guaranteed for life. Thats within 10% of my best earning year. Pension fund has over 4 billion in it SS, isnt going away for those already receiving benefits. There are other ways than the traditional path.