"Reality can only be changed insofar as it has not yet occurred. We can try to influence the future, but that is all."
- Friedrich Dürrenmatt (1921-1990), Swiss playwright
A good future is something you take part in creating - right now. But there are several ways of relating to the future, and that influences our desires regarding retirement. Our self-image is also important for our dispositions. This is talk about women and their future in the future !!
Take a look at this article from this think tank Inistute.