I have to assume you're not 60 and still working and thinking about how to pay your bills. Pensions are used by corporations to keep their spend and employee p

I have to assume you're not 60 and still working and thinking about how to pay your bills. Pensions are used by corporations to keep their spend and employee population predictable. It's lovely when it works out for the employee but its not the primary goal. I would debate whether its a luxury when you've locked yourself out of market growth in the hopes of a soft landing when older. Also "If someone is fit and healthy" is far more than a series of personal decisions and age catches up with you fast. Once you also combine with that the changes in tech, and in the workplace in general, you'll see fewer and fewer options for that luxury pension