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Most of the people here probably don't especially want to advocate for 25-year jobs that pay a good pension (though mostly not that great in addition to social security) as the pole for retirement. Yes, as the article says, if people don't have retirement savings that isn't great.

And, even with Medicare, healthcare isn't free for good coverage.

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I does not make sense to rely on an employer to guarantee your retirement income. Ideally you want it to be managed by an organization that is heavily regulated and specializes in this activity, instead of being a cost center (and a financial temptation) for a generic company.

No argument. I actually have a non-trivial pension coming from a long-ago decade+ employer which I probably didn't even think about at the time but it's hard for me to think that staying at an employer for a decade or two should be a cornerstone of a retirement strategy. (Even given some regulations today about excessive raiding of the fund.)

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