> I think the key to having more people achieve a good retirement is to reduce the cost of existing as much as possible. That means zero property tax for individuals or at least non-working people. One should be able to buy some property, put a dwelling on it and grow a garden if they choose without any ongoing costs. That would be an idea retirement for some, and the rest can upgrade from there by having more money. But instead we created a society where there are recurring costs to existence and people struggling the most to achieve independence pay the highest tax rates.

Traditionally this existed as parents moving in with their adult children. Half of the bargain would be babysitting your grand kids. In exchange you got a roof over your head, food, and the joy of seeing your grandkids on a daily basis.