JFYI you're writing from a very privileged perspective. I live in former USSR. My parents were robbed by the state of their life savings twice in their life (one day you have enough to buy a car — a luxurious item indeed, next day you have nothing), and thrice their saving were depreciated by 30-60% in a single day due to shock devaluation of the currency. I think this is pretty typical for 'developing' countries.
Most of my Russian friends have been working unofficially and haven't been paying anything to the retirement fund even before the war started (which just seems to have proven them right).
A relative lived sensibly and modestly her whole life. Three years before retirement the Northern Rock collapse happened in the UK and she lost her entire pension. Even in the 'developed' world, don't be sure any sort of pension will be there.
Most of my Russian friends have been working unofficially and haven't been paying anything to the retirement fund even before the war started (which just seems to have proven them right).