I'm 58 and have been watching the pension debate for years, but recently I started crunching numbers myself. With the current system, I'd receive about 42% of my average salary if I retire at 67, which sounds okay until you factor in that my parents had over 60%. That gap makes me think we need to rethink retirement savings entirely, not just tweak the age or contribution rates. Am I overreacting, or is it time for a completely new approach to pensions?