More interesting viewpoint in this is for kids to provide labour for you to buy with your retirement.
This might or might not be an issue for retirements in future. You could have currency units, but there might not be labour to buy with those units. As money in sense is just saved labour.
And it's all dependent on the entirety of society not collapsing the second everyone born in your generation retires. Every Generation owes its retirement to the next, just like how it owes its upbringing to the one before - that's just how it works.
This might or might not be an issue for retirements in future. You could have currency units, but there might not be labour to buy with those units. As money in sense is just saved labour.