.............These are real life situations. During one’s employment one works to pay off mortgages, children’s education and marriages. On retirement, those who get a pension find it inadequate and those who do not get a pension become dependent on children or relatives. The reason is that we do not plan for our retirement. And with mortality increasing this is more of an imperative than ever before. And it is wrong to think that children have a duty to look after you when you are in your dotage. They do not. They have their own lives to look after. In a country that does not provide social security; a country where pensions when given are based on basic salaries which are artificially kept low, it is imperative that you plan for your retirement sufficiently early and not when you are in your mid-fifties...........
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