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Surprises me how many people at work aren't in the company, or any other scheme and think they'll be able to live on the state pension - a lot of them are guys under 30, who just aren't interested, or they say things like "I've invested in property" - which generally just means that they own a house. Well, unless you take in a lodger, you won't make any money from that. There's always the possibility of an inheritance of course, but with people living longer, many of us will be retired ourselves before our parents pass away.
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