retire?  what does that mean?

No.

I can't afford to live on what I get for disability and my retirement pay will be even less so for me the answer is nope..

I just got off the phone with my parents.  (I'm visiting them (in 10 days) at a condo they're renting on the Florida panhandle... they live in Michigan).

They just put an offer on a mobile home in a retirement community near Orlando!  It'll be their snowbird landing spot to avoid the Michigan winters.  Will they get rid of their house in the suburbs, or the cottage on the lake?  Or neither?

Will anyone have money to do this sort of thing when our generation gets old?

They didn't do anything extraordinary to be this comfortable.  They were pretty normal, quite frugal at first, got some lucky breaks.  I think it was just the times.  Things were affordable on a median salary.  It's just not true anymore, and it feels wrong, because I expect things to be the way they were when I was growing up.  Really gotta let that go already!