36-54 is exactly the years that you will be told by everybody you know to go to a financial planner and "get serious about retirement".

Most people do their investing before they retire.

Before the 1970's most professionals and union workers had fixed-benefit pensions run by large corporations, supervised by accountants with very serious looks on their faces. As 401(k)'s became common for normal workers, instead of just perks for C*O's, all of a sudden their was a massive influx of money into the DJIA and NASDAQ, just as the baby boomers "save for retirement", mostly influenced by people like Jim Cramer and other dancing-finance-clowns.

Also notice that the housing crash happened just as all the baby boomers' children go off to college and they decide to down-size from their McMansions since they are empty-nesters now.

Thirdly notice how now medical expenditures nationwide are climbing greatly now that they are all becoming old and sickly. The next 10-15 years are a great time to be in the medical field, even with ObamaCare. But then as they die off it will be a horrible place to try to get a job.