So if you're 47 you either have some savings for your retirement or you need to build some very fast. Otherwise you'll be living of Hartz IV anyways. I fail to

So if you're 47 you either have some savings for your retirement or you need to build some very fast. Otherwise you'll be living of Hartz IV anyways. I fail to see your point? Do you want to rely on social security while not paying into the social system - sorry, for me that doesn't work. I'm all for making freelancers save money for when they're older, as long as they can choose how they want to do it.