I suspect that many younger JWs (40's and under) are towing the organization line about the end being SOOOO close while at the same time quietly putting $$ into retirement accounts, working on a degree part-time or online, and otherwise taking care of business.
I want to add--the only reason my husband and I have any retirement savings is because I got a degree (then another one, then another one) and now have a great job with benefits. Totally NOT what the organization says to do.