I commented in another post that a (faithful) elder I know who is 40 year old, recently shared his early retirement plans with me whereby he will be able to retire at 57 years old. I said it's remarkable that you are planning for 17 years from now IN THIS SYSTEM..... Well, [now backpedaling] he doesn't really expect that it could go on that long, BUT................................
Most JWs no longer really believe the end is near.
Older ones expect to die in this system.
Middle aged ones as shoring up for retirement to avoid the situation now faced by the old ones who did not do so.
Younger ones ARE going to college and starting families.