. >> 26-year-old melanie martins is the kind of person he is talking about. she lives with her parents south of amsterdam. though she has a graduate degree, she is working at "star wars" bucks and looking for a better job. . >> i hope to stop working at 65. maybe if i save up some money myself on top of my pension. it should be possible. it is hard to think about something that is 40 years future. >> john martins, her dad, is a 50-year-old railway engineer and he is worried about melanie's future. that she won't have the comfortable retirement he is expecting. but even his retirement has already been delayed. i counted on until i was 61. then i worked for 40 years for the dutch railway. the government said i have to work until i'm 67 so that's still quite a while. >> the retirement age is going up because in the netherlands, much like the u.s., their population is getting older. there are more retirees and they're living longer. for the dutch, that mean more payments coming out of pension funds for longer and also like the u.s., there are fewer young workers