I agree that if you can save more for your pension then you can have a good retirement. It is nice to be retired at age 60 or 65 that you are still doing good with your health. You can travel and enjoy the world if you have the money. I pity those retirees who do not have enough money for luxuries.You really have to save as much as you can because saving more will actually help you to plan better in the future, people that are getting better employment are likely to save more than people with low payment rates.