This article resonates with me quite a lot, when people talk of retirement I half joke that my retirement plan is to be rolled away from the desk and the next worker drone slots in and replaces me. I think you have it spot on, there will be no money for people to have a comfortable retirement and you see that here with older people working In shops to supplement the meagre pension they get given, sounds like your plan is working well and good luck to you! Also sounds like you made your own luck.