Let's talk about what most people seem unable to do; make smart financial decisions.
The average persons effort here is underwhelming, hence why the average wealth of people is not particularly impressive or sufficient for an early or even comfortable retirement. You need to think through your financial activities and avoid some of the most detrimental financial mistakes that average people often make.
These are all common sense … but almost no one actually follows them all as it requires a lot of discipline. Easier said than done but certainly these steps all contribute to a healthy retirement and will simply make you wealthier than the counterfactual.
A healthy does of Simpsons human here to make it almost "Simpsons does finance"