It makes sense that individuals must save to pay for their own futures, though with the market’s shenanigans of the last two years that’s easier said than believed. Very few Americans still have employer-paid pensions, though that may be less true in governments. And there are a lot of good reasons for individuals to pony up, responsibility being key.
I’d like to hear how you are saving for retirement. If you have a 401(k) or similar plan, how much do you contribute? Does your employer match? What is your plan for when you stop working? What do you want to do in retirement? And please tell me your age, to help gauge how close you are to retirement.