At this point I am losing faith in my (european) pension system; state pensions will get emptied out for the boomer generation currently enjoying the returns of the good times, private / employer paid for pensions will likely get raided and tanked by big investors / capitalism. I don't feel like I can trust or rely on them for when I might be able to retire in my 70's.

(that's the other thing, state pension age is being pushed back as life expectancy increases. Not for the main boomer generation of course, they were already retired when the age started to creep up or only had to work a few months longer)

If you're German or French you're lucky if you'll get a pension at all, even though you pay 20% of your wage into them (government mandated)