<prompt> Human: I was going to make this a comment in this thread but I didnt want to hijack the subject because my concerns are completely different.This original My 62-year old mother has no retirement savings thread terrified me as well, but for different reasons. Its actually been bugging me for a while now, but the existence of this thread triggered it in my mind again.Over the last 5 years, Ive actually been responsible with my finances, paid off my student loans and started the ball rolling on retirement planning. My concern is that with baby boomers becoming retirement age, this kind of story is going to become more and more prevalent in the upcoming decade. Im very worried that the financially responsible members of society are going to be the ones directly paying for the irresponsible ones because from what I can gather, the responsible ones are SEVERELY outnumbered.Im becoming more and more concerned that all of my savings are going to be raided by an increasingly desperate government who will be dealing with a seniors poverty at an ever increasing rate over the next couple of decades. Not completely, but enough to make all the work Im doing to make a comfortable retirement for myself not worth it. Im planning for the future with the assumption that social security wont exist by the time Im retirement age Im in my early 30s now, but Im starting to get seriously concerned that Im going to be outnumbered by the financially irresponsible older generation. Majority rules, right?I read tons of stories about retirees having absolutely no savings and think its only going to get worse over the next decade and beyond. I mean, do we really think the government is going to allow massive groups of seniors to wallow away their final days in poverty? I assume theyre going to need to take more from the responsible ones to prevent just such a thing from happening.Is there anything I can really do to prevent this or at least soften the blow? Or do I just continue being financially responsible and planning for my own retirement and just cross my fingers that I dont end up paying for everyone else just because I was properly prepared? I dont mind paying my fair share of taxes to help the collective whole of society, but it just seems like were heading down a path that will be much more than that.Edit: for clarity, Im Canadian.  <response>: You cant prevent tax increases, but you can increase your savings rate. 