Savings account, yes. Retirement, no. I seriously doubt retirement will look anything like it does today and those who are young now won't be able to fund 3-4 decades of sitting on their arse and rotting, let alone their governments. It'll be straight into the dog food mincer for most of us.

Dollars is not my fiat where I live so... I still use fiat yes. Also bitcoin is not yet widely known here in my country thus bitcoin is not accepted anywhere so I can't use it withoit convertig to fiat. If wver there is a chance where my country will start accepting bitcoin as a whole then I will likely turn my savings all in bitcoin and just use bitcoin for good. I think that's impossible tho, not now atleast.

i dont believe fiat currency is doomed, though i do believe bitcoin is an outstanding currency.

i currently have a savings account in fiat where i keep most of my money and a paper wallet for btc where i keep ~90% of my coins. i like to be split between both fiat and btc.

i dont own a retirement account lol, thats like hiding money for future use, why not just invest it so your money earns you money.

Yes I agree with this, if you took an insurance or a pension plan 10 years ago, the value now of the money promised to be paid after 10 years is relatively low. But it's still a good option to invest on your retirement so at least when you reached your retirement age you still have something to pull out from your pocket.

Yes I do because you never know if you will need it

Young people now will have to work longer. Fortunately, we can work through the internet, which is not very hard physically.

No fiat retirement account for me either, nor Bitcoin. Just earn a bit to live and try to save a little.

I applaud your thoroughness. You may want to look into never getting married. If it went tits up that may throw a giant spanner in your plans.

You must be around 37 to 38 then?  I thought about that and it seemed off, but that makes sense if your older.  Just 5500 a year with 8% interest puts me at 1.6M at 65.  Not a bad start. I don't have time to manage real estate unfortunately.  I also don't have the skills to do regular maintenance unfortunately as well.  I would love to own real estate and rent out units, but I just don't have the necessary skills to maintain the units.

the main thing to ask yourself..
in the 1980's you could buy a loaf of bread for 50c.. today it's $2
in the 1980's you could buy gallon of gasoline for $1.20c.. today it's $4~
ref: http://www.thepeoplehistory.com/70yearsofpricechange.html

so $2.00 thirty years ago would have bought you, 4 loaves of bread.. today.. just 1..

imagine what your money today will buy you in 2045..
quarter of a loaf?, just one slice?

so is storing $260,000 today worth it.. when you would only get about $65k of todays buying power.
now if you think that is scary, research the zimbabwe dollar.. and you will see the worst case scenario
(1980) 500 ZWD bought 3 loaves of bread
(2007) 30000ZWD bought 1 loaf of bread

people think that instead of just storing funds for retirement is bad and thus they put them into investment funds.. letting some stranger
in wallstreet trade your funds in the hope of atleast 5% yearly profit.. to keep ahead of inflation.. but the problem isnt that $260k might still be $260k in
30 years.. it might actually be $0.. as there is risks you can lose the lot..

and thus
its better to put atleast some of those funds into deflationary investments.. bitcoin, gold, real estate, etc.. to protect you against inflation..