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Yeah, my HR representative said I should be saving 15% of my income for retirement. I can't even afford to save that much. By the time you deduct my mortgage, health care costs, food, and other necessities, I have very little left over.
Maybe I could save 15% of my salary if I lived my life without anything enjoyable. No smartphone, no streaming service (even though I'm only paying for one and don't have cable TV), nothing purchased at all to enjoy life. Just live a Spartan, barebones life. Maybe then, I could scrounge together 15% to save for retirement, but my life up to retirement would be extremely miserable.
I feel like this advice was concocted by people making much more than I make. "So, when you get your $10,000 biweekly paycheck, put 15% of it away. See? So easy!"
Saving everything from today for tomorrow can be cool tomorrow. But it also zaps the joy of today. And imagine being dead a week after retirement or super ill. You'd kill yourself out of regret. Sure, saving is good, but enjoying the ephemeral pleasures of everyday is more important. IMHO.
And even if you can afford to enjoy tomorrow, there's no guarantee that your body will let you. My parents were frugal as I was growing up - taking very few vacations. For various reasons, my father retired with very little money.
Even if he had money, though, my father's health has deteriorated. He lives about 3.5 hours drive from me and can't make that journey. For him, even an hours' drive is a lot and airplane trips are out of the question. Even if he had a decent retirement savings, he wouldn't be able to truly enjoy it.
Sorry to hear that. But yes, that chance is on the table too. Although you could be lucky to have saved much and live healthy and happy to 90. But I wouldn't exactly planning for that with confidence.