"Hard work" JW-style has the virtue of not being troubled by retirement plans. The end is so very near, preparing for one's retirement is unnecessary
There was an elderly JW lady in an adjacent hall who died a few years back. She and her husband converted and were baptized in one of the big NY assemblies during the 50s. They had a falling out with both of their families over religion. Their only son was mentally handicapped and had died prior to when I first met her. So had her husband.
She lived a model JW lifestyle. Worked a few odd jobs here and there in order to focus on service. Needless to say, she had next to nothing saved up for retirement. The congregation quickly tired of her. She was left on the curbside of her assisted living facilty more than once, her ride failing to show up. The "brothers" made little effort to hide their discontent of being given the "privilege" of picking her up. Eventually, they tired of it and made her call in to the meetings. Her health quickly deteriorated and the elders jumped on the chance to put her in a full-on nursing home where she was largely forgotten. She died several years later and few people showed up to her funeral.
This was her reward for a lifetime of obedience. Even though she died nearly a decade ago, I still tear up when I think about it. She was a very sweet lady and didn't deserve it. She made a dumb decision to join a cult, like many of us did, but there was nothing but warmth and kindness in her heart. Choices have consequences, though, even when those choices originate from good intentions.