I hate to be politically incorrect, but he sounds deranged, like so many of the individuals around Brum.
It is! Some people who do jobs that we all depend on like street cleaners, shelf stackers, waitresses, etc. barely earn enough to survive let alone make substantial pension contributions into generally poor schemes. The pension (a final salary scheme) from my first decade working is worth more than from the next three (money purchase with glitches).
Count yourself lucky Brian that you had a good job with a final salary scheme that also allowed you to retire early. And stop trying to put those less fortunate down!
I can see Brian in the strong room of his Sutton Coldfield mansion counting his money today before he goes to coffee shops and pubs to talk with strange strangers!