There's an interesting perspective circulating: instead of saving excessively for pensions 20 years from now, it's better to consider what the future will actually look like. The logic behind this is quite bold.

Imagine that once AI technology, robotics, and energy innovations are fully mature, production costs will plummet. The prices of goods and services could become ridiculously low, even approaching zero. At that point, work will no longer be a forced means of survival but an option.

Taking it a step further, if productivity becomes sufficiently abundant and income distribution becomes highly equal, the role of money as a scarce resource allocation tool might gradually diminish. In other words, the economic logic of the future could be completely rewritten.

It sounds a bit sci-fi, but if we really reach that point, current financial planning strategies might become completely outdated.