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today im going to tell you a story about two retirees average andy and pension pete each is 55 years old earns the same salary and saves the same amount every year however theres one difference between them pension pete has a pension while average andy does not wed expect retirement to be easier for pension pete but how much of a difference will a pension really make lets find out and be sure to stay until the end where i discuss the slow extinction of pension plans in america today around one in five workers participate in a pension plan including 76 percent of state and local government workers and only 12 percent of private sector workers when the legislation that created 401k plans was passed in 1978 private companies began a decades-long process of moving away from traditional defined benefit pension plans consequently workers today are increasingly dependent upon their own retirement savings efforts ing to the pension rights centers 2019 data the median private pension benef
