We do the same. I'm 58, husband 64. I don't think I'll get anything and fortunately don't need to. We're self employed and I can't see my husband ever really retiring (although hopefully he'll work less and travel more!) and even then, barring the world going to hell in a handbasket, we'll both still be making an income from the businesses. Building businesses as well as saving for retirement are a much better ROI than anything the govt would do, and we knew that in our early 30s (at the latest - can't remember NOT knowing it, but we actively were doing something about it by then).