The stats regarding the poor state of Soc. Sec. and Govt finances is important, but not the most important. I don’t care what country or age you live in - the Gov’t can never be trusted to take care of you, esp. over the long-term.
The most difficult thing many baby-boomers will face is that many of them never had children. The family is not only the moral base of society, it is the economic safety-net as well.
the seond most difficult thing is that those who had children are still supporting them.....and sometimes their parents, too