How many more years before you can retire? Hopefully the markets will bounce back so you won't be left without anything.
For years I've been trying to get my oldest son (in his early 40's), to invest in a retirement fund. Maybe it's good that he didn't...at least at this point in time. But, long term, he should have something put away for himself. He's never been married and lives with his long-time girlfriend. My youngest son had been putting some money into stocks until he lost his job last year. He's been back to work, but isn't to the point yet that he can start investing again.
When I retired in 2003, I took a reduction in my pension so that some of it was set aside for my kids. Of course I have to die within 15 years from my retirement date in order for them to benefit. Longevity doesn't run in my family, and so I took the reduced pension so that if I did die early, the state wouldn't get their hands on the 33 years of mandatory contributions I made to them for my retirement.