Taking full advantage of the 401k, the RSP, Employee Stock Purchase Plan, I even bought Savings Bonds way back even though they don't bring the best returns. These are all options most employees had, including many on here, yet there are many that didn't take advantage of those programs and now they are living the consequences. You continue to say my nice retirement is due to the full Traditional Pension which is nonsense. If I haven't even started the Traditional and won't for several more years and really won't even need it to live the way I am now, how is it contributing to my quality of life? Putting money away for over 40 years, during good times and bad, allowed me to live the way a retiree should live. Not having to count pennies or live in a tent.