Implicit in the "care for you later" agreement is "by underpaying you now." Whatever a company is setting aside for you later - or just promising you will be t

Implicit in the "care for you later" agreement is "by underpaying you now." Whatever a company is setting aside for you later - or just promising you will be there later - could instead just be paid to you now. You might think of it as "AND," but it's really always inherently "OR." And if a company is promising to continue paying everybody for a long time after they stop working for the company, the company can only do that by underpaying everyone by a lot all the rest of the time. Why complicate things that way. Instead of underpaying everyone and having the company decide everything, how about just pay us a lot more NOW and we can handle the rest for ourselves. Saving, investing, insurance, and govt programs (where available) can all help out with this.