You realize the median income in America is only about $25k/yr right? That means half of the country makes that or less. Which even with the best money management skills isn't going to leave with with much for retirement, unless you live like a college student alone by yourself in a tiny rented bedroom for your entire life AND have no irregular expenses like car repairs or medical care.
$25000 times about 0.7 for after-tax take-home pay minus about $1100/mo for ALL expenses total -- housing, utilities, food, transportation including purchasing a means of transportation, education which you will need to get to even that median income level, necessary items to work in today's world like a computer and phone, and so on -- times about 45 years of working and saving the leftovers, divided by 15 years of life expectancy after that, leaves you about $1075/mo to live off of for those 15 years.
Given housing expenses of 50% of that monthly stipend, or about $550/mo (which this tells me is the bottom of the range nationally, for a one-bedroom apartment, with the average being about $750 instead), that leaves less than $20/day to cover every other expense you will ever have in your entire life.
That is the best case scenario that over half of Americans are facing. But they're all a bunch of unskilled losers so they deserve that fate amirite?