A very good point.
We baby boomers are changing the guard I think in terms of " what to leave"..our children and relatives.
For me it is quite a game changer in that I have to now live on pension and savings - the maths look good - but you never quite know what's round t he corner - or what age we will live to!
A tricky prediction!!
And many pensions are not what they are imagined to be before actually getting the first payment and savings are very fragile due to no interest and poor returns on the stock market .