<prompt> Human: They tell my generation to plan on not having social security so the entire burden of our retirement rests on how much we can set aside. They recommend you set aside a minimum of 12 of our gross earnings. Yet the government maxes the amount you can set aside pre-tax IRA or post-tax Roth IRA to 5,500 annually! What do you do if 12 of your income is over 5,500 annually?  <response>: Save in other types of accounts. These are just the tax benefited account types. You can still have standard investments and savings. Buy bonds and CD. There are more options out there. 