At some point (timeline) about all should know that pensioning out in the 1st World is becoming extremely more difficult and unmanageable. Majority cannot retire, nor have the savings to retire at retirement age and even more cannot retire early. It is of coarse only going to become more difficult. I learned that about 30 years back. It's the price of distraction and locking into the 1st World herd mentality. It's a pay to play thing....... and I would rather be in the Philippines than any other Country. Been saying it for decades.