An elder that I know showed me his plans for a vacation home he's going to build and will then live in after he retires. What's wrong with that picture?
1. He's being materialistic. He's going to own two houses until he retires. His attention for the next year or so will be on building this house instead of the ministry. He will have to keep his high paying full-time job to afford this instead of maybe taking a lesser paying job and sharing more in the ministry.
2. He's not putting spiritual things first. He's looking forward to retirement in a vacation area instead of looking forward to pioneering after retirement.
3. He's putting off Armageddon. The urgency of the times that we live in are not that important to him. When he showed me the plans he made a quick comment about "if this system continues". To make these kind of plans and to get to the point of carrying them out, somewhere deep in his subconscience he knows Armageddon isn't coming. He just hasn't admitted it to himself yet.
When I was growing up, JWs never, ever thought of retirement. Armageddon will come before then. They didn't worry about pensions and savings, they fully didn't expect to need them. Today, JWs are planning on retirement, they don't expect to see Armageddon. The hope of a new system is still there in some small way for many of them, but they are starting to see that it may not be in their lifetime. Many others are starting to see that it was all a sham to begin with.
My mom retired in the past year. She made the comment that she never, ever expected to see the system go this long. Even though she is still devout in her beliefs as a JW, I see her making plans for her retirement years. Trips, places she wants to see, things she wants to do, improvements to her property. Not on that list is pioneering.