[John Locke]

I sympathize with your dad. I worked fulltime until 73, but had no expectations of a funded requirement. My Mother told me the truth: never trust the government with your money, because they will cheat you.

This is no dark secret: it was laid out explicitly by Samuel Smiles in 1875 in a book called "Thrift". But far too many people were seduced and deceived by the "welfare state". For which I hope the deceivers pay in blood, and pay in full.

[farming pharmer]

I sympathize with your dad. I worked fulltime until 73, but had no expectations of a funded requirement. My Mother told me the truth: never trust the government with your money, because they will cheat you.

Yeah, I kind of wondered about that too in my 20s - I've been putting away 15% of my gross in a 403(b) since about age 27.

There's no retirements in my profession unless you make your own.