Bottom line; MOST folks do not live, breathe, sleep, eat, wheel, fun, and drink with a budget.
No easy Red button here, someone can only get what they save or buy (house(s) and land).
Time Value of Money is one path...
Example, 30yr old has income of $80k and wants to retire at age 62, but only needs $50k at retirement, because he will receive additional money from SSI, VA disability or maybe small pension or some inheritance from Trump.
Save $800 month /12% of your income ($9,600yr), 384 months, ~8% = age 62 with about ~ 1.3mil, take a 4% distribution, gives them ~$52k per year, you have 90% chance that money will last longer than 30yrs....
~ age 92. (S&P 500 1928 to 2017, ~9.6%).