What factors do you think might keep people from saving enough money for retirement?

Several factors can hinder individuals from saving adequately for retirement. These include high living expenses, such as housing and healthcare, which can limit disposable income. Additionally, lack of financial literacy may prevent people from understanding the importance of saving early and the benefits of compound interest. Lastly, unexpected life events, like job loss or medical emergencies, can disrupt saving efforts and lead to increased reliance on immediate cash flow.