Such articles would be more helpful with more details. What career did she have that did not allow her to save for retirement? Was she always single? What social security benefits does she have access to?

One thing I hear about a lot is people attempting to live off social security payments, which is usually not enough. I wish that there was flexibility to contribute more than 6.5% (or whatever the personal contribution is) to social security as well as IRAs, which are capped at $6500 or $7500.