The article makes the pension look much better than it is - it assumes they will continue working until 65, in which case they will receive 130k. Now, the 130k twenty years away from today is worth about 80-90k in today's money. For a couple used to free spending, that's sufficient but certainly no more than that. But what if they lose their jobs in their early fifties and can't replace it with similar incomes? What if they divorce? By similar argument, a 32-year software developer earning 120k/year is a multimillionaire because he has 30 years of this income ahead of him.
  To be on the safe side, they should either get an investment advisor (but they don't have large enough portfolio for a good one), learn investing basics, and definitely get a better handle on their cash flow. Otherwise, they may be unpleasantly surprised if their incomes dry up.