100% this. I’m 38 and I’m predicting a crisis where my generation haven’t been cared for by their employers with regards to their pension, then the laws ensuring pension conts must be paid came in late into my career and were very small contribution defaults. Then with the high rent and property prices people are forgoing their pension savings to put into living or property early in life so they don’t get the compound interest through from early years. I keep doing the sums on my pension and even though I’m now putting 25% in and have been for a few years, it’s not like I’m destined to be rolling in it when I retire. Depending on the market (which I don’t have faith in either) I’m likely to just be able to retire pretty old and live modestly.