I wonder if youth is too young to focus on savings and such. If so, the problem presented by the near retirees herein is essentially insoluble. If not, it's rather easily avoided and/or remedied with some simple education about spending, investing and such.

Any thoughts about whether there's a market for a legitimate and other than hand holding/wringing offering to the underserved and the scared and cynical already out there among the oldsters?

Andrea Coombes' Ways and Means
Don’t let fear ruin your retirement