<h2 style="margin-top: -10px;">Forget the state <a style="color: #0080f7;">- rely on yourself</a></h2>
<p><span dir="ltr">You cannot rely on state pension. Now, when you retire, you get approx. 50% of your last salary. In about 30 years this percentage will fall to as little as approx. 25%.</span></p>
<ul>
<li><span dir="ltr">We have a lot of data for the critics of state pension systems </span><a href="https://www.finax.eu/pl/blog/emerytura-w-referendum-zanim-odpowiesz-sprawdz-konto-w-zus" rel="noopener noreferrer" target="_blank"><span dir="ltr">in our blog</span></a><span dir="ltr">.</span></li>
<li><span dir="ltr">We can also divide it in 2 arguments: one - it is terrible now, two </span><span dir="ltr">- it will be even worse.</span></li>
</ul>
<h2 style="margin-top: -140px;"><a style="color: #0080f7;">Rising Life</a> Expectancy</h2>
<p><span dir="ltr">Rising Life Expectancy (because of advancements in healthcare and technology). You will probably spend a big part of your life on retirement. It's worth taking care of it in advance to be able to still enjoy all of these years.</span></p>
<h2 style="margin-top: -10px;">Financial Independence <a style="color: #0080f7;">and FIRE</a></h2>
<p><span dir="ltr">You don't need to wait until you pass the retirement age, which can be even higher in the future. If you start early, you can save enough to be independent and "retire" even sooner".</span></p>
<h2 style="margin-top: -140px;"><a style="color: #0080f7;">Compound </a>interest?</h2>
<p><span dir="ltr">If you start early enough, <strong>very small actions/amounts can make a huge difference!</strong></span></p>