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.