My in-laws are two such people. People who pioneered and did not work and try to save, instead they made just enough to get by and waited for the end to come. Now my MIL is in Palliative care and the state is paying for her keep, My FIL lives in a dilapidated home and can not keep it up. I know of many who did not save, and instead of working extra jobs to put some money away for retirement.
One elder I knew never saved and now at 74 he has to work two days a week or so at building maintenance to make ends meet. Another elder who was a drywall hanger did not save a dime. Some of the brothers who had a building business would give him charity work painting small jobs they had. I ended up buying his home because he was going to lose it to the bank. I lived in it for a couple of years and sold it. He and his wife applied for a FMHA loan and got it. You will never pay it off but it will be low payments based on income.
The cult is pushing this again. Quit jobs work building the cult projects and give your dog away. So in this tread post your known stories of JWs who are now living a crap life in their old age because of the cult