Most people in their 20s and 30s today aren't getting social security anyway, so maybe this is decreasing in importance? Personally, I don't have much faith in

Most people in their 20s and 30s today aren't getting social security anyway, so maybe this is decreasing in importance? Personally, I don't have much faith in pension systems either. The growth ponzi scheme for US stocks can only go on for so long, and many pensions have gone belly-up in the last decade or two even though the market has been incredibly good for most of that time. If we enter a recession that lasts more than 1 or 2 years, those pensions are going to end up in worrying places for anyone who isn't already cashing out.