Low saving rates combined with low effective retirement age herald old-age poverty. This paper examines the preferred strategies of future Polish pensioners in order to sustain the standard of living in the future. A two-step approach is used: as a first-best strategy. we explore determinants of supplementary saving with binary logistic models; as a second-best strategy. https://www.vivicostanera.com/product-category/duo-balls-kegel-3/