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The best interpretation of this Dave Ramsey quote is that he believes the retirement crisis in America stems not from people lacking funds to retire, but rather from a lack of planning and foresight about retirement.
By saying the crisis comes from a “lack of vision” rather than a “lack of money,” Ramsey is suggesting that many Americans fail to adequately envision and prepare for their retirement financially over the long-term through savings and investment strategies.
His quote implies that with proper retirement planning and visioning how to fund one’s later years, the crisis could be avoided even without more money necessarily. Overall, Ramsey appears to be arguing that the root cause is a lack of retirement planning and vision rather than solely a lack of resources.