I have enjoyed reading many of the threads on retirement planning and have noticed that many people refer to pensions as part of their overall plan. DH and I work in different fields from one another but neither one of us has ever worked for a company that offers a pension. It never seemed unusual to me since I typically thought most private sector businesses were fading them out but they seem so popular on many of the threads I have read I wondered if it is our particular professions or age or other factors?? For those of you without, do you try and plan accordingly with more money invested into 401K and other options? Just wondering if our plan varies much from others who don't have pensions. DH is 41 and I am 40 so we know we have many more years of work and investing ahead of us but it's nice to get ideas and thoughts from others in similar situations.