Good comments overall. This is a significant area where the vast majority of JWs destroy their life as an older person...sad to see the many, many cases where this is true.
Completely agree and my experience as well in interacting with others. I simply laugh in private at anyone that basically has no plan and is hoping for the best. There 100,000s of example where someone has had no plan and basically ends up dead due to having no resources to take care of themselves when a serious health issue arises. Also, many that are in their 70s still working like a dog due to not planning.
We are at the higher end of the financial spectrum and will routinely offer our thoughts or help if someone is looking at how to plan for the future with savings, investments, etc. For all of the others that have "hope as a strategy" we just shake our heads.....