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Many life journeys may be passed differently and that generally happens in our environment.
Some people actually enjoy life in a more wasteful way but they have good financial resources to fulfill their lives in old age. Some others actually live under financial pressure because even though they have lived a frugal life, they are still unable to prepare for life in old age to be better.
Talking is much easier than implementing patterns because maybe one person's life is different from another person's life and even though they have been well prepared, their lives still do not go as desired.
The difference in how to live life in each person cannot be denied because it will always exist in every individual, but for those who continue to want to implement better life plans and patterns, they will definitely not talk much if their own goals have not been achieved. Because you yourself can also see that people who only prefer to talk without implementing a work plan for themselves are people who still have a lazy nature so that these people still often comment on the methods used by others, even though they themselves do not do anything.
I believe that life needs to be prepared but we believe in the creator so that if it is done the right way, the old age that we will live will definitely be passed in a much better way because the most important thing in life is about enjoying it not feeling afraid.
There is nothing to be afraid of in this life as long as we still have the ability to work and fix every step we take towards a better direction. Because people who are still afraid of bad old age conditions are people who still have excessive pessimism so that people no longer count their own efforts and efforts from now on. In fact, everyone who already has a good old age is based on the steps they take now because it is part of the preparation for themselves and also for the people around them.