Whenever you read an article that tells you that older people are relaxed/confident about funding their retirement, view the results with suspicion.
I have always been astonished how little most of my peers understand about the financial aspects of retirement. Even people who have been successful in business often have a little idea about their personal finances.
This research from Fidelity illustrates the point. The research was done in the US but it applies equally to Europe. Dick Stroud