Your article broke me into a cold sweat. Your mother has Alzheimer’s (I’m very sorry to hear that) and you’re planning on working when you’re old.
… you haven’t made the connection that her having the disease increases your chance of also developing it one day (knock on wood that you’d don’t). If you were to develop the disease, you’d be more reliant on a safety net than ever.
Please reconsider this insane strategy. Simply throwing your hands into the air and giving up because it’s “impossible in your today’s world” is insanity. Even teeny tiny monthly investments will snowball and go a long way to protecting you in your future.
It’s not about saving, it’s about investing and watching money grow over the very long term. This article is like a horror movie to me. “Don’t go into the basement!!”