nostr:npub1wq6kzst3l7j67fyfk7j2jl6nyzgyg7qdffcgsll43euwccdw79es88ju6u nostr:npub1zdp33shl69xr0uq3x8n5gsjykq9upycwh6nqm02c3f6x0frrn0dq42vqv8 Yup exactly.  It's all of this uncertainty that makes "you're on your own, save for retirement" so pernicious. An individual has no choice but to plan for (or fail to plan for and deal with the consequences) the worst.  Collective entities like the government can balance Sally living to 97 with Todd being struck by lightning at age 65.5