We have something called Social Security over here which am not sure you have over there. You basically pay in all your life and when you get to retirement age you can start drawing from it. There are also other occasions you can draw from it, but I am not going to get into those here. My wife an I have been planning for a while now that the money won't be there for us to get Social Security so we have been doing our own side investments to cover what we likely will not get. It is just a sad reality.

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