[dubletrub]

Originally Posted by sam_b

I think youngsters today need to work out their own retirement date - none of us should be at the mercy of govt decisions about retirement... I look at the state pension as a bonus, not as a financial plan and I think that this will be even more important for the younger generation as there may not even be a state pension.
Save and invest for your own future to your own preferred timetable...

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The problem is not everybody is educated and lots of people work in minimum wage jobs and just manage to live. They can't afford to pay lots extra into pension pots that will allow them to retire early.