?, makes clear from the very beginning with some straight talk that one should not totally rely on an employer's promises or government guarantees to plan for life after retirement. Otherwise one day when they write you a bad check, you may have no one to complain to.
一書開宗明義直言，不要完全依賴雇主的承諾或政府的保障來規劃退休生活，否則一旦跳票，可能哭訴無門。