> My younger sister, Sophie, isn't worried about retirement – but she's not exactly optimistic about it, either. "We've got climate change, war – it's like, are we even going to be here to retire?"

I see this belief in a lot of younger co-workers. Newsflash: You're highly likely to outlive your ability to work. If your plan is to die the day after you retire, that may happen, but in all likelihood you won't, and not having savings is going to end up unpleasantly for you. Save for retirement, people!