I was never supposed to graduate high school of course (I graduated in 1975) but once did that and once I got back from a stint at Bethel I started a job that had a pension. The older brothers said I'd never get to use it and every meeting and assembly that I attended for decades confirmed that this would be the case.
Fast forward 33 years, I got to retire early a few months ago with a pension that will pay me 66% of my highest salary for the rest of my life and it will get cost of living raises every year and be passed on to my wife after I'm gone.
A few times over the years, I had the opportunity to take the money out and use it but thankfully I didn't let the JW mindset influence me to do that.
From what I could tell, very few JW's were thinking about having money set aside for their old age.
My wife's JW elder father died of cancer at 48 with 3 of his 6 kids still at home and his wife (my mother in law) received a widows pension until the kids were grown. She regular pioneered and worked part time until she was too old to do so. We all kicked in each month to cover her expenses. Then there was a class action suit that paid her $300k for the death of her husband who was exposed to a certain chemical that was linked to his cancer.
If it weren't for those awful worldly people, who found her, sought justice for her and made sure she got what she was entitled to, she wouldn't have a dime to her name right now and we'd be paying for her dementia care.