0 a person who does not save enough money for their retirement (= the time when someone stops working) -- 储蓄不足的人,没有为退休存够钱的人
We can complete it step by step however long the road is and it can't be completed however short the road is if you don't even mark your footprint.
再长的路,一步步也能走完,再短的路,不迈开双脚也无法到达。