Jfc... everything needs to be spelt out.

When you put money into "your" pension fund it's not actually your pension fund, you are paying into the pension of those that are currently retired and future generations will pay for your pension and the problem arises because people are having less children, it's supposed to be 4 young people pay for 1 retiree so that means less children less income into the pension fund so they have to raise taxes to keep the pension wheel turning and it's not a problem of old people having pensions, it's a problem that they are making our lives unaffordable by keeping a system that is collapsing in on itself because the rules of the time it was created don't apply to today's income or inflation that has happened since.