JK, but because of your young age you have not had the time to have family = expense, usually = debt.
You have not had time to accrue any hardships, ie; divorce, death of close family where you incurred expenses. You have not incurred the cost of higher education for several children. Give it time, you will learn. Job losses, so you dip into savings. By the time you can retire many have been thru most that was meant to make old age easier and now rely on SS. Sad!