The United States http://thisav.fun thisav Working-class households with very little retirement savings are going to have a very difficult time in retirement. They will probably have to depend on family or the government to fund a minimalist lifestyle, and that’s not a good prospect. You need to think about retirement now, while you are still working, so you can save for the rainy days ahead. Don’t wait until you’re 65 to realize that $12,000 won’t get you very far.