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in the 1980s for example roughly half of the people working back then had a pension plan but the bureau of labor statistics estimated that as of last year in 2021 only 15 percent of people have one so instead we have to rely on that second leg which is social security and its extremely important because that pays 90 of income in roughly a quarter of people that are retired today so a lot of people are retiring on only social security and thats a problem because its estimated that by 2030 the money in that fund will run out unless something major changes so instead people have to rely on that third leg to retire which is the 401k