The "Golden Years" are not what they used to be. The WWII generation likely thought that way, but what I see on the ground now is not working hard to cash in, its working hard in terror of a coming time when you can't work. If you haven't saved enough by that time you die in misery and poverty. Eek over the line and if you don't get an unlucky disease, you get a modicum of comfort.

"Enjoy your Golden years" has turned into "Winter is coming."