To be fair, the expectation is for every working American to have a working understanding of retirement financial literacy which isn't very reasonable for many citizens with sub-par skills in math. 401ks were only introduced near like 1980, so many people retiring now had parents who never used them and couldn't provide much guidance themselves. While it is on the individual to still understand this, the scene is also littered with sketchy investments and high-fee salesmen who people trying their best fall victim to (someone convinced my 90 year old grandparents once to sign up for a 10 year CD once).

People growing up now should have a better idea, but it's a bit unfair how much responsibility the US places on the individual.

But I agree this woman's comments are concerning and probably a window into her earlier choices.