> While in my country, it seems that most people under 30 don't believe the government pension scheme will survive to our retirement, people older than that do

> While in my country, it seems that most people under 30 don't believe the government pension scheme will survive to our retirement, people older than that do hope for their promised pension. FYI and based on my anecdotical observations, mid- to late Gen-Xers rarely if ever think they'll get anything either. As to your finances when you'll need to support your parents or those of your spouse, IMO just try to get over it. You know it's coming anyway, and so do they. What might be more concerning in practice as a society is what to do with boomers and early Gen-Xers who didn't make enough (or any) kids. Where before retirement plans it may have been for 4+ kids to take care of their parents, it's trickier when there's a single kid or none. Aside: the Swedes, if memory serves, have an interesting take on retirement. Namely, there's a fixed-sized pot. What you get isn't based on how much you put in but rather on how much you put in compared to others. I'm pretty sure all countries in Europe with eventually adopt a similar system.