Consider two individuals, both 40 years old, planning for their post-employment years.

• Individual A lives in a country with a highly developed financial system, offering easy access to banks, investment firms, and various credit products.
• Individual B lives in a country with a limited formal financial sector, where access to banking is not widespread and formal credit is difficult to obtain.

Based on these differing economic environments, contrast one likely strategy involving debt that Individual A might use to build wealth for retirement with a non-debt-based strategy Individual B might be forced to rely on. Explain the reasoning for this difference.