Swan Tower

That's the thing: you can manage, probably, if your circumstances are good. And some of those circumstances are under your control (e.g. the decision to start saving early and do it consistently). But if you have trouble getting a job, or the jobs you can get barely pay enough to live on, or you're in debt because of school (these days most people are) or medical expenses or anything else like that, or you have dependents to support . . . you can't control all of that. So being able to retire comfortably, the way we've all been promised ought to be possible, you need the stars to align on your behalf. The number of people for whom that's true is getting steadily smaller.