>Pensions are long gone. They have IRAs. If you're worried about retirement, set money aside right now. Pensions haven't gone anywhere, unless you mean Defined

>Pensions are long gone. They have IRAs. If you're worried about retirement, set money aside right now. Pensions haven't gone anywhere, unless you mean Defined Benefit ones where the company assumes all the risks and guarentees a salary from retirement - in which case yes those are basically gone everywhere except the public sector.