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  Howard wrote, ' I can only conclude that I was born about the right time unlike the poor devils of today.' Unquote.
  
  Regardless of when you were born Howard the State Pension would not provide the means to live comfortably so the prudent ones in the past contributed to Company or private pension schemes to fund their retirement.
  
  It was a condition of employment to join the Company pension scheme for many which meant a percentage of your earnings were earmarked for pension contributions......the more you earn't the the more you paid in. It was difficult sometimes with a young family to keep, but that was the situation. That was in the days of 'hand me downs' not handouts.
  
  Free childcare, maternity leave and other 'perks' and many other benefits make life more pleasant for families today so perhaps they should enjoy these but not lose sight of their future needs.
  
  As Vic said some started working at 15 years old; there was also 2 yrs compulsory National Service in your later teens to contend with so making provision for your old age was tough.
  
  The choice is still there today; work hard and make provision for your own retirement and yes, it's still tough but your future lifestyle is your responsibility.

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