I’m 36 and have never been able to put any money towards retirement till last year or so. Now I have paid everything I owe off except a credit card that I just use to keep some credit outstanding. I currently work part time and I’m still saving money every paycheck. Debt free is the only way I was able to save. Most people are too busy keeping up with the jones’s to save. But I still have no retirement funds. I plan to either just quit and hope for the best with side hustles or be killed in a motorcycle crash or something.