It is utter nonsense to explain JWs unpreparedness for retirement as being a consequence of their belonging to a religious cult.
Even during my most zealous years in the organization, I noticed huge variability among the Witnesses in how much they prepared for retirement. Sure, some knowingly put nothing aside, confident the end was "just around the corner", whilst others - no less zealous for "the kingdom" - took a more cautious approach. Besides, in each congregation there were glaring examples of some being totally unprepared for their retirement. Warning examples abounded for all in the congregation to see. It's not as if the rank and file did not - and do not - see firsthand the consequences of poor retirement planning.
It is each person's individual responsibility to ensure they have actioned plans for their retirement years. Unlike her own JW parents, my mother - herself a zealous witness until her death some 2 years ago - always said she would never repeat her own parents' mistake of neglecting to prepare for their own retirement (they had expected the end in the 1930s).
Of interest, whilst my maternal JW grandparents never owned their own house, renting until they died, and had only meagre savings, all their 8 children - JWs and non JWs alike - own their own homes and have retirement investments.
Blame the organization for a lot of things - yes. But to blame the lack of retirement planning by many JWs on their organization is one of the worst forms of unjustifiable victim-creation.