Pensions aren't savings accounts. They're transfer systems: today's workers fund today's retirees, on the promise that the next generation will do the same. When birth rates fall below replacement, which they have across the entire developed world, the math breaks and the options are raising retirement ages, cutting benefits, or importing workers. The childfree professional collecting a full pension at 65 is the direct beneficiary of other people's children, and there's no way to restructure that fact. You can absolutely choose not to have kids. Just don't pretend the check you cash at retirement is unrelated to other people's nurseries.
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