<prompt> Human: If you work for the city very low chance of employer going under, unionized your seniority is high enough where layoffs wont touch you, and have a defined pension plan, how would you address saving for retirement? Or is there even a need to save?  <response>: very low chance of employer going underIf I worked for a municipal or county organization Id be pretty concerned about their pension funding. Many governmental organizations have very underfunded pension funds. They use the money that should be set aside to avoid tax increases and they promise higher than normal retirement benefits to appease public sector unions. This becomes a snowballing financial problem that will have to be faced by future politicians, tax payers, and pensioners. I think its absolutely evil for politicians to underfund pensions. However, Im in the minority. Most voters think its evil to raise taxes andor cut government servicesbenefits. 