<prompt> Human: I am 36. I just watched a Frontline documentary on investing for your retirement. I thought it was incredibly depressing and frustrating because of how the generation ahead of me really dont seem to think they will ever be able to stop working. Hit with the stock market crash of 2000 dot-com bust compounded with the real estatehousing crash if 2008, people just dont have anything left or are where they were 13 years ago -- not having made any strides. ...Coupled with the 401Kmutual funds mess wreaking havoc on our savings plans with high fees for managed funds even 2 fees yield incredulous negative impacts over a 50-year savings term.It was all very discouraging, enraging, frustrating, crippling...but it did get me thinking, what do other countries do for their retirement planning? Do they have Social Security type programs? Privatized personal investments? Something else? Just pensive on this...  <response>: Just in case anyone didnt see it when it aired on PBS, you can watch online: The Retirement GambleDefinitely worth the time. 