Whether someone is ready or not to become a retired employee in the future, he certainly cannot avoid it because retirement will definitely come to him when the time comes. And because every person who is about to retire needs to face this, of course preparations from now on or before retirement arrives must really be prepared, such as some of the needs that you have expressed. Because this is a real thing that everyone at a certain age has to face, so from now on you need to think about business and passive income every month for a more beautiful retirement. Because without preparation, anything will always be difficult to face at whatever time it is.
If for an employee of course their retirement is guaranteed, government employees or private employees will get a pension guarantee so I think it will no longer be a problem for them and in their youth they will just focus on work without having to think about anything.
Those who have to prepare for retirement are those who don't work for the government and I think everyone will be able to face that and regarding how of course everyone has a different path, there are those who invest, there are those who prepare savings and there are also those who build a business.