Retirement Tutor strives to educate all people about saving for retirement from the time they leave school until and after they retire. If you accept that Social Security will be less, later, or non-existent by the time you retire, you must plan on having all the money you need without Social Security.
Pensions are another dying breed on their way to becoming extinct. Those that do not become unavailable will be smaller than in the past. Your participation will be higher than before. If you think these things could be true, you must find other ways to fund your retirement.