We are currently sat upon a population time bomb. 'Population ageing is the most pervasive and dominant demographic trend' according to the IMF, with 1 in 6 people being over 60 by 2030 and the cost of caring for the oldest being 16 times higher than teenagers. One key aspect of this crisis is retirement. Unless we rethink the way we fund retirement, and institute a 'Grey new deal' writes Teresa Ghilarducci, we run the risk of delaying a core part of our social contract. With a few small changes to how we fund, think, and justify retirement, we can ensure future generations will have the twilight years they deserve.