My old friend is the kindest, most giving person you will ever meet, but goddam, he has spent his whole life working part time as a bartender at various bars. He rarely works at the same place for more than a year, although he has kept his current job longer than that. He's well into his 50's by now with no savings, (a couple of years ago he was about $30k in debt), so he will undoubtedly be relying solely on social security in his old age.