~snip~
Yes you are right it is our own responsibility to plan for our aging and retirement. If we can plan and save our money properly from a young age by thinking about that future, then maybe we will be able to use it properly in old age. But the country where I live has a lot of economic recession. The high cost of living of the common people in our country due to high inflation is making people's lives miserable and difficult. As a result they have no way to plan for the future or save money for the future. There are many people in our country who have no future plan their only plan is how to eat and survive, that is their main aim.
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No one wants to live in poverty, no one wants to grow old with nothing, those are the basic things that any adult thinks about. But the problem is that today's world is too harsh, we are even struggling to cope with inflation, recession, crisis...there are too many problems we have to face. Many of us have not been able to ensure our short-term life needs, so how can we dare to think about more distant things? As long as we can ensure our short-term and medium-term needs, then we can dare to have a retirement plan for ourselves. There is a huge gap between saying and doing and things are much more difficult than we think.