Everyone can invest in a retirement. It's called "pay yourself first" If you started putting $10 a week into an interest bearing account when you were 20, increasing it as you earn more, by the time you are 50 you would have a hell of a nest egg and if you invested it correctly as it grew, theres your pension. Everyone seems to have the idea that you need an employer or the government to do things for you--screw them. Be self-sufficient. After all -- you are selling your labor and expertise, that is YOUR product.