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About putting away money for a nest egg for retirement, yes that is scary but we trust that Hashem won’t let us down. There is some leap of faith we all must take as frum Yidden who have higher tuition, food costs, Shabbos costs, tzniusdik clothing… our expenses are so much greater than those of the outside world. Some of it we do have to leave up to Hashem, yet still do our hishtadlus.
Having Bitachon that a Makas Medina (such as not saving for retirement) will somehow miss you is in the catagory of “Somchin Al HaNes”, especially noting that both Medrish Aicha & Esther specificly say one must have a nest egg for situations of Makas Medinah (learned out of Pesukim from the Tochacha).
More likely, people who don’t save for retirement will work until they can’t anymore, and then live on SS/Medicare (what is left of it).