Please explain what your post has to do with anything?

If you are trying to say that she contributes heavily to her pension, than I suggest you consider that the last report I read indicated that the Federal government does the equivalent of a 4x - 5x matching to employee contributions. Please name any non- government employer that does that for a regular employee.

The quick math will tell you that an annual contribution of around $11,000 does not equal a lifetime indexed payout of nearly $40,000...unless you have a miracle fund that grows 400% per year, guaranteed.