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...will be able to retire, financially free. .
...with financial help; ie: Social Security, friends, and family.
1 out 4 high school graduates do not live to retire. Accidents, being the most common cause of death.
Financially independent retires have one thing in common. Their money works for them. Money invested in a safe, guaranteed place is typically a retirement vehicle for financially free retirees.
Invest in a deferred annuity, or immediate annuity, if you have a lump-sun of money, such as a 401k, that you want in a safe investment vehicle, with guaranteed payout options.