It’s not even about the wider state of the world, even trying to model probabilities for one person’s life is nearly impossible. I’m 29 now. Ten years ago I had no idea where I’d be a decade later - where I’d be living, the job I’d be doing, that I’d be married or have a kid… So trying to imagine 40 years ahead is so far beyond my scope. Will I still be in this country? Will I have more kids? Grandkids? Where will my career have gone? Will my parents have left me money? Will I have won the lottery? Will robots now do all work and people live on UBI?
I know a pension is a hedge based on the fact that I’ll probably make it that far and it’s worth having a safety net if I do, but it does feel very remote. I’ve winged everything so far and it’s going okay, you know?