I mean "high" relative to what they now get from Social Security + maybe small pension. As for your word "save", many people's incomes (all their lives) have never been large enough to "save" anything. you sound like somebody who hasn't had much experience seeing poverty or just very low income living.
I remember when I lived in East Tennessee, talking to some people there who said they did not own a pair of shoes until they were 8 years old. Some guys from Appalachia who I served in the Army with, (when getting their uniforms at the reception center), said "This is the best set of clothes I've ever had." They didn't rely on the government for it. They just got it, that's all.