Any JW who followed the "advice" (direction) of the GB and kept their eye simple and pursued Kingdom interests first and stored up things "in heaven" vs planning for retirement etc simply GOT SCREWED because they followed that advice.
Instead of having a good education with good benefits and a pension or 401(k), they likely have a low-paying, manual labor job that is taxing on their aged body, or they are "self employed" in a venture such as the cleaning business and will have to continue working to supplement their Social Security (US here). And, instead of having money in investments, they have worthless old time slips for worthless hours of Field Serve-Us. But all of this just keeps them more "dependent" on Joe Hoover. He will never disappoint them.