September 8, 2026 · 5 min
Two curves: saving at 25 and saving at 45
Two hand-drawn curves show how much of a pot comes from the first ten years.
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Pension Notes
One long, plain essay on pensions every other Tuesday, with the sums shown and the sources named.
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On the bus to my mother’s town before Chuseok
A long ride, a seat full of shopping bags, and a look at old-age poverty.
- 53
A replacement rate is not a promise
The percentage of earnings a pension replaces, and the four ways it gets measured.