>you can save your own money for retirement without anyone's contribution towards your pension No, that won't work. Money is only worth as much as the goods an

>you can save your own money for retirement without anyone's contribution towards your pension No, that won't work. Money is only worth as much as the goods and services it will pay for, and those goods and services have to be provided by the labour of the working young. If there aren't enough young people to meet that demand for labour, prices will rise, and the purchasing power of those pensions will evaporate. (This is why the "triple lock" and other such schemes are so evil; by pegging state pensions to inflation, they unfairly lock in the purchasing power of a lucky generation, in defiance of all economic logic.)