It is almost impossible to retire with a middle class income. I say almost because I did visualize myself doing so. I'm lucky in several respects: my family isn't overly dysfunctional, I graduated university in the years before the cost sky-rocketed, I choose a career that has always been in demand and pays well, what few relationships I have had all ended relatively cleanly (no kids, no alimony), and I've lived a spartan life. There was that possibility, I thought, that with another decade, I'd be able to actually retire. But I recently realized that I don't have the skills to do what I have done for over 25 years now. I am unmarketable. My next career move will be involuntary retirement. And I am suddenly facing the reality that many people younger than me see as normal - working your whole life will not get you enough money to retire. So I am turning to the last financial saviour of the modern middle class - crypto and day-trading. Yes, gambling. You might lose it all and end up on the street but that is just hastening the inevitable. On the other hand, you might get lucky and dectuple (or more) your money. It's really the only viable option these days.