At the end of the day you have to advocate and fight for yourself. You can’t waste your energy on boogeymen like Elon musk, who if I’m not mistaken ironically enough is from South Africa which is much poorer than the US. If you work in coal testing you might be working for a large company that offers a 401k which is great. Investing has never been easier or more accessible than it is now, you can download the robinhood app and put money in the s&p 500 right this minute. The average saving rate of an American in this country is 4.7% which is very low. You can’t rely on the government trying to fix it and you can’t waste your energy arguing with old retired guys on the internet who are bored and have nothing else to do. My family and I are immigrants, my father immigrated here when he was 51 without a penny to his name and has done amazing for himself and is ow in his 80s. Whether you’re in Harlan county or Harlem you’re still in the richest country in the world with immeasurable opportunities, but you have to be proactive and fight for them and yourself, and no one is going to help you. Good luck!