This Axios/Ipsos poll suggests that millions of people in the US have already given up on ever retiring. I suspect a large percentage of the rest are wildly optimistic or ignoring the evidence facing them over the coming decades. Between growing student load debt, lack of affordable housing, and inflation it’s likely that many people are completely shut out of the common avenues that allow for retirement planning and saving. Congress has already proven itself incapable of fixing these large structural problems, so I suspect it will be up to Corporate America to figure out how to allow older workers to be productive members of their organizations. It’s sad that the broken promise of retirement might help with the economic problems posed by declining birth rates.