401k matching might solve this problem? Are any governments doing this? It’s a really strong incentive to contribute the maximum every year, and while it does c

401k matching might solve this problem? Are any governments doing this? It’s a really strong incentive to contribute the maximum every year, and while it does cost some money, it’s peanuts compared to the long term liability of a pension. With (tax free) compounding interest, the employee would probably end up better off in most cases when they retire.