Originally Posted by
Baa_Baa
I agree @Roger that there is ample time, though your hypothesis imho does not take into account those who don't or haven't (for whatever reason) taken advantage of that time, or those who cannot, or those who have suffered significant adverse financial events, or multiple adverse events.
Those unfortunates of which there are many, could probably not afford your consultation advice anyway so it is not surprising perhaps that you may not have these types of clients or relate to their circumstances?
The pathway to a comfortable life, after the ability to generate sustainable regular income by personal effort, is not always as smooth as the perfectly informed and acted upon scenario.
I disagree that the national super is a viable backstop, as it barely covers groceries and staples, it assumes one has freehold accomodation, and confers the beneficiary upon the state in all capacities of need.