Carl,
Sir, you enjoy financial luxuries that my generation and my kids, are unlikely to see.
The concept of a funded "retirement" for starters.
In effect, employers and the government set up a ponzi scheme, which has now collapsed. It's unfair to all involved and probably worst for folks who depended on it and had it disappear just before it was needed.
On the other hand, my parents and some older friends are enjoying multiple, fully funded retirement programs. One former boss is over $250K in retirement due to the ability to collect 100% from 6 different sources (he and his wife's benes).