Live in certain areas of Glasgow and you won't see sixty. "They" expect us to die and for certain many of us will before we get to retirement and thereby will save a fortune that can be mismanaged because that is where the real problem lies. Mismanagement and corruption from central and local, government. It is impossible to imagine someone in the construction industry working on site at 70 or a fireman rushing in to a burning building at 60. OK so some company and public pension schemes are reasonably well funded but early retirement as a teacher for instance costs a huge amount of the final pension entitlement. I loved teaching special needs more than anything else I have ever done but I took early retirement so Mrs Viking and I could spend good years together. There are so many jobs that can be carried on until a great age without the need to retire if wanted but so many people would find it impossible to carry on working due to physical limitations, then what will they do?