> people are living longer and having fewer children—and some retirement-age folks have little choice but to work because of inflation and a weak stock market.

How out of touch one has to be to be calling the result of the latest mega bull-run on US stocks "a weak stock market"? If you want to see a real "weak stock market", check out Warsaw Stock Exchange, where stocks trade at 50% of their 2007 value - whereas, the US market is at 270% of its 2007 value, so basically doing 5x better.