Your asking for his opinion of something that is his opinion.Yeah his opinion of what he thinks they'll do. I never asked what he thinks they'll do.
your questions have been answered ad nauseum. We know its not a fair system. The question you should be asking is why such an unfair system exists. Until you can answer that - and understand the answer, talking anything else is pointless.Please answer the above questions, then we can talk about money. That is all. We have 21 years to find ways to make up the money. So smart investments and creating a future fund would be a great start now.