I just finished reading "Fate Is The Hunter" by Gann. Interesting how applicable the book is even to today. In the game of flying you are on your own. You will probably retire broke or with little money to live on, especially if you are (were) married. Almost nobody has retirement, and even if you do a Congressional committee will decide that you earned enough in your working life anyway and don't deserve what was promised to you while shooting approaches to mins during an east coast winter or limping a hobbled ship with 75 people to a safe landing. You are on your own. Save what you can and hope that you work long enough to live off of it.