In the current state of our economy, especially post-covid, I believe retirement and retirement planning look very different now especially for younger people as plenty has changed in the past few years. I believe the employment market has become very difficult and even unstable with many unemployed individuals struggling to find a job regardless of experience and education, and layoffs are happening quite often. I would say younger people should consider landing job security and stability, saving and investing as much as possible and as soon as possible. Creating and maintaining good financial habits early on can help with budgeting, living within your means, and securing retirement/401k/investment funds. Lifestyle habits like routine and normal exercise and diet can also help prepare for retirement years and live healthy. For example, younger adults who are active tend to continue to be so in their older years. Keeping hobbies, having daily/regular activities impact physical and mental well-being as well. what can I reply to this