No Savings + ZIRP means many older Americans have had to go back to work:

March 31, 2019 by IWB

Almost Half of Older Americans Have Zero in Retirement Savings www.bloomberg.com/news/articles/2019-03-26/almost-half-of-older-americans-have-zero-in-retirement-savings …

www.advisorperspectives.com/dshort/updates/2019/03/13/baby-boomer-employment-across-time …