The low birth rate in 1st world nations is being "patched" via immigration. If people don't make enough kids to maintain the Ponzi scheme, then new people have to be brought in. Don't get me wrong: I don't believe in illegal immigration, I think the spys, terrorists, drug runners and rapists need to be weeded out which means there needs to be a process. But legal processed immigration probably needs to be very high to combat the low birth rate problem.

Also, there wouldn't be much of a Ponzi scheme if people stayed healthy and kept working right up until they died. That's the best personal advice anyways. People who don't retire live longer, and people who keep excercising live healthier right up until the end. They don't need younger people's taxes to support them. And having had their entire lives to amass wealth, people should be well off by the time they die, and if they aren't it's their own damn fault and I'm not going to cry about them.