> 45 years of work should be more than enough economic output for one person to be able to get a “second childhood” as you call it. What the heck are they worki

> 45 years of work should be more than enough economic output for one person to be able to get a “second childhood” as you call it. What the heck are they working for in the first place? By simple approximation, assuming a real rate of return between 2% and 6%, you need to consistently save and invest 10% to 30% your working life income consistently for 45 years to fully fund about 20 years of non-work / retirement. The whole point of the pension problem is that most people are not able or willing to do that.