Yes, as a Swede I’d say we have way greater chances of reaching retirement, but it still comes down to saving by yourself if you want to live reasonably while retired.

I set myself a “spending budget” every month. After salary comes in i move what goes to bills and such expenses into a separate account. I divide whats left into 50/50, one half into savings the other to leisure. My savings account is set up to make long term investment into stock groups managed by the bank (unsure if there’s an english word for this, we håll them “fonder”). Usually i dont spend all the leisure money either way because i rarely purchase things and whats left when next months salary comes around also goes into savings.

I’ve been blessed by my parentes to start off with some savings so saving by myself once i started working was also allt easier.

To properly secure your future you need to earn enough money to even be able to start saving. Truly a “society” moment.

Also, this is an old meme, and a bit outdated for our times, but no one has mentioned it so ill do it. The Nokia 3310. Truly the AK-47 of phones.

I think every Swedish household i’ve ever been in has owned the same Moccamaster coffee brewer for over 15 years. My parents have had the same one for over 20 years probably, swear those are indestructible.