I think anybody that is relying on the government solely for their livelihood in retirement is looking towards an old age of misery and poverty.Besides retirement as far as I'm concerned is almost the equivalent of the governments idea of insurance or a scam... the majority of people are likly to die from being overworked before they ever reach the age of retirment.
Then again is it really the role of the government to provide everyone a comfortable life style or is it up to the individuel to be smart enough to save and educate himself and pick the right career path to do it for himself.
I honestly think that many SP are very good at making money but have very little knowledge or skill at how to save it and make it grow.
I wish some of the more knowledgeable ladies would offer to help their colleagues and there was a place where SP could confidently go and ask and then use this to better their life.