Further, flat growth would be acceptable if that is your primary concern.
https://en.wikipedia.org/wiki/Dependency_ratio
and it affects all the ways you might retire, no matter if it is "my children will take care of me", "my government will take care of me", "my mutual funds will take care of me".
The situation gets more favorable with more population/economic growth, is difficult in the steady state, and is atrocious in a state of decline. See
I don’t have a pension. I do have a 401k/ira, and would prefer my social security taxes were in there as well.
Lower population would help the housing crisis, which is a huge tax on everyone. Own a home and a garden.
PaulHoule•5mo ago
https://www.journals.uchicago.edu/doi/abs/10.1086/225997
https://pubmed.ncbi.nlm.nih.gov/1340041/
https://www.milbank.org/wp-content/uploads/mq/volume-54/issu...