Yes. The other unfortunate answer I hear is that some people don’t save at all. If you are either not bringing in enough income to put money aside, or you’re blowing what you could be saving on bullshit, then you’re not going to be in a position to start stacking sats. That’s called “soft saving” and it’s a horrendous outcome of our inflationary monetary system on the mindset of younger generations.
“You’ll own nothing and you’ll be happy.”
https://www.cnbc.com/amp/2023/11/04/gen-z-leans-into-soft-saving-less-focused-on-retirement.html