packsonflite
...........no, sorry, your assumption is wrong. I joined relatively late, with no prior pension.
I believe I have set my goals reasonably, my family and I try and live within our means, and try not to be too greedy.
I hope to retire at 55, and hope that I dont have to be quite as carefull with my pennies as my parents.
I think there are a lot of greedy people in the industry.
Sad really. I hope your live to enjoy some of your retirement!