Thanks for commenting. To answer your question, the parts that are specific to the US (e.g., Social Security, average stock market returns, etc.) I don't know the parallels for other countries. However, the main points should stand for most countries. Whatever you can start saving now, you'll reduce your spending, which will make retirement easier to fund. Beyond that, those for levers are independent of location. Reduce spending, increase income, increase returns, and delay retirement. The details of what specific things can help in each category may be more specific, but I'm sure you can find any number of resources about what would work in your country. I will say that the specific exercise I mention of categorizing your spending and reducing it according to categories (borrowed from the book "Profit First") should help anywhere