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We should just abolish pensions.
Every month the government takes money out of my paycheck to supposedly pay for my pension. Every month my employer puts money into a mandatory pension scheme.
My expected pension age according to a government website is 68 years and 6 months. By the time I reach that age it will probably have been raised to 70+.
My parents died at 72 and 70. I will never see once cent of the money taken from me during all those year working. Pensions are a scam, let’s acknowledge that fact and just get rid of them. pay out that money every month so I can enjoy it instead of saving for something that will never happen.
I'm not sure here. Current life expectancy here in Germany is 78 for men and 83 for women. You can start your work life at 16 after 10 years of school and will do a 2-3 year appenticeship and if you retire at 67 and work without any breaks, unemployment, children and so on, you have 51 years in the workforce. Most people will have fewer, might do additional schooling and start their work life after university sometimes in their mid-twenties.
But even if we take those 51 years: A women will spend 16 + (83-67) = 32 years of their lifes outside the workforce. Even if you count out the time as child, those 16 years of retirement are 31% of your time spent working. If you want to keep your life standard, you somehow have to save up.
But you won’t.
By the time I’m 67, the retirement age will be 75, by the time I’m 75, the retirement age will be 80. The whole thing is a scam. The boomers get to enjoy retirement and they have us pay for it which is why they keep dangling that carrot in front of us, but realistically it will never happen for my generation or anyone after. Due to advances in medicine people get older and older, while costs keep rising. It’s simply not sustainable anymore to have that large a part of the population not working while simultaneously costing a lot of money in care.
Pensions in theory are nice, because it guarantees you a certain quality of life after you retired. Also since most of the time there is a minimum pension its good for people that had to stay home raising kids and not having an income to pay for their pension in that time. Otherwise the people not owning property at that age would become homeless since the rent keeps going up and is just not affordable anymore.
Nobody the age of 65 can or should be required to perform hard physical work.
My mom is 62 this year and will retire at 64, she works in an office doing administrative things and she herself tells me she just cant keep up with new tool, technology etc. even ui changes are hard for her. Now imagine this at the age of 70, how productive can anyone really be?
You are not... our senior chef, who refuses to retire at age 79, is a real pain in the ass for everyone. He doesn't know how to handle modern ERP Systems, he is nearly deaf, i have to buy really big monitors so he can see something at least... It doesn't make any sense to let people work that long.
Yeah, that’s the scam. They say you will get some income after retiring, what they fail to tell you is that they will never allow you to retire. The retirement age will keep getting pushed back. The truth is that you will have to work till the day you die.