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My old neighbour was a financial advisor. Whilst he was considerably richer that me and had more money than sense he showed me the sums why you need 1 million plus pre 60 to retire and how people with a Final Salary pension should thank thier luck stars. I almost topped myself on the spot.

From a maths perspective you can't argue whatever your morals. My old man has been retired for 18 years on a Final Salary pension scheme. Whilst I am delighted he is still here (and he is the most generous person I know) his pension was based on the maths they were only expecting to pay him for...