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The world is full of retired folks who have worked and saved all of their lives, only to find that they have to, or want to, go back to work. 

Today's Americans, as a whole, don't save very much or plan well enough for the future, but some of them do.  Some of them made a choice early in life to start retirement accounts, and some made a choice early in life to give up high-paying opportunities so that they might one day, with persistence, reap the benefits of a pension.  Those who stick it out should be applauded for taking on the task of providing for their own future.  Those who don't are sometimes jealous of those who have.