Why do people need such big pensions? to shop all day to go out to restaurants almost every night take vacations hold onto it until you die and give it to your kids? Whole bunch of waste by the time of retirement you should pay off your bills and pay your house off pretty much living off two grand 2500 a month. Everything else is show off. I do that now it’s easy. It’s simple now you’re at that age and you have no energy to do anything like your dreams. my dad, some neighbors tell me they haven’t even touched their pension yet. These people are 70+ years old.