>>nwoli+L3
You can have private medical insurance or retirement funds on top of that. One does not exclude the other. In fact, most employers offer that as part of your benefits
What you refer to is basically lowest level safety net.
>>nwoli+r5
In California you can get a somehow walkable city, live there for 5-10 years and save enough to retire in eu with own home and pension. How many years an eu citizen (me) should work in avg dev salary to buy a home/3 bdroom apt?