Which is why it is important to figure out how to be debt-free by the time you retire, and figure this out early on in life. And often this doesn't mean scrimping and saving and doing without, but rather just not refinancing your home again and again to take out cash, but rather paying down that mortgage over 30- years. It means living within your means, which really isn't all that hard to do.
Because when you retire, you will be forced to do it anyway. Might as well get used to it!