In college, a social education class talked of the difference between business employees and civil servants, including teachers when it comes to employment. In business there is a risk, but if a person is fortunate and works hard, they will earn more and should be able to save a lot more for their retirement, but they themselves are responsible for that retirement for the most part.
I am a retired teacher. That same class talked about public employees - service to community is more important than 'tons' of money, but in return for that service these employees expect to be financially secure in retirement as part of the reward of that service.
In a lot of ways I was lucky. When I started work, I didn't have a choice about planning for retirement. I was automatically signed up for a retirement plan with monies going to the state pension board and to a retirement plan managed by a local financial planner. The corporation paid some and I paid some.
Next when IRA's became a thing, all employees had to talk to one of two companies and decide whether to buy into an IRA or not - They offered one that started at $15.00 a month, which I enrolled in. Since I've retired I no longer pay into it, but the interest keeps building and that interest percentage is higher than any other account I have. It is not in the millions, but it will hopefully cover meds for a year or two. It will be the last IRA to be cashed in.
I also started my own savings accounts - I had two through the years, one to save for taxes, car insurance, travel, emergencies and one account just for retirement.
Then the credit union affiliated with my job offered an IRA through our work's payroll deduction plan. I took them up on it. In both of the IRA's cases I never put in the full amount that was allowed by the government. I didn't have the money - but what was important was saving any amount money, any amount is better than nothing.
As I said, I'm retired now. I'm living on a pension which is a little less than half of what I was making when I worked. I receive a small amount of the interest from my financial planner to put away for taxes/insurance each year and I'm trying to hold off on social security a little longer.
The key for all of those out there is to set up some account, be it IRA, a savings account, talking to financial planner and setting something up with them - and if possible to automatic deductions. Start small, but start something and then any chance you have start another account. Don't have just one account, the economy and people's greed can wipe out one account, if you have more than one account you have a better chance of ending up with your money when you need it in retirement. I see all of the 'nontraditional retirements' on other posts. You can say nontraditional all you want, but at some point your body and brain will say to you 'enough is enough' and you don't want to be forced to work to the point where it will kill you.