Well to some point you are right. But I want to proof you wrong in aspect of average Nigeria graduate at 25, that was then now education system in Nigeria has changed. We have students graduating at the age of 23-24. Though, it's not easy to get a job in Nigeria, but if you want to start pension, the best age is 26-30 not 40 above.I don't know what country you are from but I know it's definitely not Nigeria. Over here in Nigeria a 25years old is just in his final year in the higher institution after which majority stay down for a year before youth service and if you're lucky after service you get a job or wait for some cople of years before luck finds you. What I'm trying to say is that starting your pension at 25 in Nigeria is impossible.