This, I'm in the rather fortunate position of working for an employer who makes very generous pension contributions for me (15%) as well as having a wife who's a teacher on the final salary scheme - although that is being heavily eroded (its presently self funding, they're raiding it to cover the other liabilities). My retirement planning assumes I'll have 0 state contribution, and I'm ever so slightly uncomfortable with it. How people on average wages are supposed to have any sort of quality of life in retirement I don't know.