It’s better than no plan, but I think 10% should be mandatory for everyone. And anyone crying that’s too much, well…..I lost my job more than anyone. I was unemployed for years at a time. Yet, unlike my pension dependent overpaid relatives, who never lost a job (even after letting children in their care die) — I’m the only one not in debt and the only one that didn’t lose my house. Because I’ve been saving more than 10% since I was a teenager. And never depended on anyone else for everything. The problem with pensions isn’t that they exist, it’s that they are supposed to only be available in jobs that pay half or less than half what the same job pays in the private sector. That was supposed to be there so people were compensated for a lower paying career. In 2021, the average job with a pension pays 3 times what that same job pays in the private sector. That means you need 3 people paying 100% tax to cover every one public worker. These are close to literal real numbers. It’s absolutely unsustainable, by simple math, before even getting to the pensions. Because in 2021 about 1/4 of the people employed are government workers. Without a massive increase in the private economy, the U.S. will collapse.