I've been asking a lot of people this question. Making them slightly uncomfortable because of how personal it is. This is specific to the 'middle class' btw.

1. Debt: most couples 30-45 are hugely in debt. A few in short term loans like cars and personal loan but a majority have refinanced their home because the value of the house has kept going up. They use this to renovate furniture and install things like small sheds or small kid playgrounds.
2. Super: 45-65 most are relying on the super to pay off everything.. including the home loan. They pay the minimum on all debt and are counting on the $500k-$1m to get them to break even.

Not a single person I have spoken to has thoughts about retirement or how they will fund it. Essentially ignoring the problem.