[prolikewh0a]

>Is this society’s fault that employees don’t contribute to their 401(k)s until they are in their thirties?

I didn't have the opportunity or even know what a 401k was except at a high level until I was 26 in my first 'big job'. I'm 28 and still haven't put any money into it because I cannot afford to in a corporate IT position. I'm still trying to pay down my health insurance deductible so I can get my medications. How can I ever retire? At this point, I'm going to work until I die.

Not sure how this is my fault when I'm educated and work 45 hours per week and am away from home for 60 when adding in my commute.

[achillesheels]

Duly noted. I’m not trying to be snide, but from your brief history you indicate you were ignorant of any sort of retirement actionable strategies. Frankly you are growing up in the most information abdunant age in world history with copious information on wealth management. Irrespective of personal upbringings which no doubt create wealth discrepancies, you clearly were not taking long-term decisions in your twenties. How else can we explain your lack of active pursuit of financial education? The buck has to stop somewhere.