Some are able to save and invest and have a comfortable retirement. I was one of the lucky minority to have worked for a company that provided a good retirement plan.
Most are not so fortunate.
Create your own business that will provide you a recurring income. That is an income that will keep coming in whether you can work or not.
There are many approaches to starting a business. Many people parlay a hobby into a business. There are many successful people who have started there business in a spare room or even a dedicated corner of a room.
Personally, I want to be able to work from anywhere I have an internet connection and a phone.
I want a businesses I can develop working a few hours a week, because I want to be able spend time with my family and do other things I believe are important. Of course, the more time we can devote to business, the faster it will grow, but most people have to work their business around their family and their job.
So, I look for inexpensive ways to start a business. It must be something most people can afford and something they can build while working part time. In short, what I do must be something those who join me can do. It is called business duplication.