The retirement savings crisis: Why more Americans can’t afford to stop working

I am contributing, but I expect to work till I die, because I am assuming the market has not actually factored in climate change costs and all my investments will turn to nothing once it all crashes.

https://press.uchicago.edu/ucp/books/book/chicago/W/bo212888995.html

A book from a well known economist who calls out the deliberate actions that led to this place in the US, and that fixes are still plenty manageable...but they require political action.

Personally I think we're past the point of no return. While homelessness becomes a crime in the middle of a housing affordability crisis and while Republicans weaponize being able to afford housing against being able to vote, it will get even harder to change as eligible voters are kicked off rolls for not being able to afford REIT-set rents that go up with the greed of Wall Street.

Unless you have been loading up on SPY or VOO since 2008, you won't be able to retire. House is not a retirement plan, and bonds did not pay shit until recently.

How many people loaded up on SP500 index? How many got enough to retire? I would posit less than 25% of boomers and that down % goes down for each generations after.