Social security is not everything. What should I do in the future?

People always think that social insurance is omnipotent and can meet the needs of the elderly indefinitely. In fact, a healthy old-age insurance system should consist of basic old-age insurance, enterprise annuity and commercial insurance. We can't expect social insurance to do everything well and achieve "a sense of security". It is also necessary for enterprises and individuals to plan ahead and do their homework outside social insurance.