Jovi has the right idea, settle in take a nap and see what transpires.
I do agree to save toward pensionable age, soft approach sounds more like the hippie era to me. No one knows what the future holds, spread between variety of options on offer, more today than we ever had.
Try to control your own pension fund savings, from experience we see how some countries grab pensions to bail themselves out of financial sticky corners they place themselves in.
I have a pension through the state and I am often quite concerned about what might happen to it before I get the chance to take advantage of it. That's part of the reason I have my own investments as well just in case.
State pensions a problem in many countries, on reaching retirement age, if allowed to commute part pension, move as much as legally allowed, invest where you desire with that amount.
My side investments are doing pretty well, so I will likely just let the two remain separate. It's always a fear in the back of my mind though.
Good to spread and keep separate, another I firmly believe in in fiat cash stashed somewhere in the home, no interest but a safety net. We have experienced how quickly the rug is pulled from under ones feet, when hard cash is a must have to buy essentials.
We have a safe that we keep cash in for those times that we suddenly need it. It has come in quite handy over the past decade.
Something we have always done, weary of banking and others....