US also has Social Security to help fund a basic retirement but it’s pretty minimal. It is enough to keep you from living on cat food

I also can’t finish paying off my mortgage before I should retire and given rampant ageism, I don’t know whether I’ll be able to find a job that long. And Social Security won’t cover my mortgage plus utilities

And even worse, Social Security needs adjustments to be able to continue meeting its commitments. The longer our political leaders avoid that, the more impact it will have when they are forced to do their jobs