I am yes, it's because I take responsibility for myself, ownership, and want to design and create an awesome life. It's my choice, as is it is everyone else's to create a great life, or not.

But I haven't dared to consider it further, what I feel is not fully a guarantee of old age.

You're saying, why bother as you may not make it into the future?

I get that...but what if you do and haven't prepared for it financially. Starving to death in the gutter doesn't sound like a very nice way to go I think. Still, each needs to make a choice, and many will choose to be ill-prepared. No matter what people choose, they will reap from the harvest of that which they sow.