In the USA a lot of people didn't contribute enough to social security so they are now headed for social welfare or whatever miserable fate that the lack of money will deal to them.
If you have enough time to plan ahead and aren't already retiring soon then you have a chance.
There are several ways to invest that will pay off later with little to almost no risk.
I am not selling any investment portfolios here just offering ideas! The younger you are the easier it will be to set your self up for retirement.
I like one idea; judiciously buy collectibles for low money and after 50 years realize the current worth.
The web page How Can I Build A Nest Egg offers some good information.
Here's a tip stay away from Bernie Madoff... Oh never mind they got him already.