That's a problem of the retirement system and the government/pension funds, not workers' problem. Just say the word that the money I am putting towards retirement are not counting towards MY retirement, and I'd stop paying the government/pension funds, and start building the retirement fund myself.
A system where I am funding some random people with the hope that some future random people will be funding me is inherently flawed and assumes
- constant population growth
- a constant proportion of less old people vs more youngsters entering the workforce
That kind of system, naturally, is insane and has no base in reality, considering that the trend is old people live longer, and people have less children.
> The idea there is a pot with your name on it is way out of date here
To say that I am not entitled to MY money, and that me expecting MY money to be there when I retire is some sort of ultimate entitlement, that I vehemently disagree with. So either the pension funds and the govt have to accept reality and actually guarantee MY money (by, for example, not touching some % of it), that I put, towards MY retirement, or they can f-off, and I can start saving myself.
A system where I am funding some random people with the hope that some future random people will be funding me is inherently flawed and assumes
- constant population growth - a constant proportion of less old people vs more youngsters entering the workforce
That kind of system, naturally, is insane and has no base in reality, considering that the trend is old people live longer, and people have less children.
> The idea there is a pot with your name on it is way out of date here
To say that I am not entitled to MY money, and that me expecting MY money to be there when I retire is some sort of ultimate entitlement, that I vehemently disagree with. So either the pension funds and the govt have to accept reality and actually guarantee MY money (by, for example, not touching some % of it), that I put, towards MY retirement, or they can f-off, and I can start saving myself.