Kind hard to build an retirement fund when the government "Knows Better" and grabs half of your earnings and investments in taxes... to fund their luxurious pension plans for the drones in civil service...  

I guess hard work and saving is not really worth it anything anymore when you can get a cushy gov't job that pays well, you work 30 hours a week, get 5 weeks vacation, every stat known to man plus a risk free indexed pension worth millions.... 

...while we toil for peanuts...