Many years ago, back in the UK, I went to a union-organized pension seminar.

The speaker there said one needed to live for 14 years after retirement just to get back what one had paid into the pension fund.

As I don't expect to be around at 79 (hell, I'll be lucky if I make it to 74), I left as soon as I could. I was happy to give up my seat to a younger man (or woman).