The financial planning is the same, the difference is just in who takes responsibility. The bottom line is that many people had this as a benefit and now very

The financial planning is the same, the difference is just in who takes responsibility. The bottom line is that many people had this as a benefit and now very few do. What's unchanged is most people spend less time thinking about their pension throughout their lifespan than they do about almost anything else you can imagine, but they really should be because it's all on their shoulders now. Here in the UK it seems we have a whole generation a couple of decades away from retirement poverty.