Dear G&M - PLEASE get your survey act out of the swamps - retirement saving is not quite as simplistic as your survey options !!

That having been said - I started "saving" by company pension plan(s), buying a house, doing ALL maintenace, renovations etc. myself, saving $$s, living in a non urban super expensive sprawl ..... being responsible for myself. Meanwhile paid insane taxes while watching Ontariowe flame out.

Also a refugee from the socialst worker's paradise of Communism: Warning - don't go there ! You will be maintaining the public sector Nomenklatura in the style to which they have become accustomed.