Although there are lots of ways to skin the cat, I agree with Finance Dude that starting and selling your own small biz is a good way to kick start ER -- worked for me anyway. No pension, but SS will be there eventually in some part (assume all here are ignoring that when we say we have no pension) and IRA/401ks are just part of savings in my definition. I guess to be clear the poll is about people getting a defined benefit pension?