For some people, work almost until death might be OK, health permitting. Biden, Trump, Pope Francis (to give a politically balanced mixture ;) ) are all happi

For some people, work almost until death might be OK, health permitting. Biden, Trump, Pope Francis (to give a politically balanced mixture ;) ) are all happily working hard well beyond retirement age. For an elderly couple with home paid off, if one still worked part-time in a decently paid job, they could be OK financially without much pension (with some caveats including healthcare costs particularly in US) . I guess, to protect ourselves in old age, we can try to maintain healthy habits, and try to manoeuvre our career to a place with decent part-time opportunities in old age, just as much as save money. This doesn't give any guarantee, but then, saving tons of money doesn't address non-treatable health problems, nothing is certain. I guess in a nutshell, my argument is (a) people might not as screwed financially as they fear, with a little imagination, health permitting (b) OTOH the bigger issue, much bigger than pensions, is healthcare costs and a lack of support for those who fall ill, which could actually happen at any time not just in old age