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you live in the land of no pension. people seem to do just fine there. family look after family or they set themselves up for retirement.

9% is plenty. 5% is plenty. anyone that reckons it should be more should ask why they have to work so much overtime - it's probably because your employer can't afford someone else. seriously - you should be setting yourself up. not relying on what is basically a "pension handout mentality" as...