<prompt> Human: can someone explain to me exactly whathow retirement works?I dont understand, no matter how much money you save during your working years, for average people ofc, and not millionares how do they sustain their life for the next 30-50 years wo working?  <response>: I dont understand, no matter how much money you save during your working years, for average people ofc, and not millionaresAverage people can easily become millionaires by not doing stupid things like buying expensive cars, leasing cars, taking out high interest debt, etc. Someone saving 15-20 of their income will see their savings grow easily enough to sustain themselves for quite some time. 