The ones I know, the ones I am friends with, the ones I work with all have 1 of 2 things in common.
1) They are working till they die. PERIOD. They know they cannot get another job if they lose this one and are scared about having saved enough money or having enough money if an emergency comes up. This is my dad. He is a supervisor and he literally plans to die at work because this way he will have a income until he dies and because his death benefit will pay 4x more then. and the shit icing on the shit cake is that my dad doesnt have a college degree and new hires for the same position now requires a masters. so he has to keep this job at any means possible.
2) they are saving their jobs and the jobs of other booms that die or retire for their children and grand children. These are the higher up and higher paying jobs. These are the upper management. and contrary to pop culture their children dont just become the next VP. They start them at the entry level positions but put them on the right track for that grand promotion. This means that admin position, or finance position, or accounting position within corporations that usually lead to upper positions will always go to family. The only way an outside gets in is if there is an entire upper and middle management full of infertile people who never adopted.
In short the ones that are there are working till they die and only a select few will fill their positions. and if you parents are not one of them, neither are you.
The situation is fucked and we need a good population reduction.