The only real solution is family planning. You don't want a pointless exponential population growth Ponzi scheme where each person has to have three children with their partner. What is necessary are people that join the workforce exactly at the same rate as people exit the workforce. That is the only way you can avoid the Ponzi scheme.
This means when someone is in their mid fourties and will retire in 20 years, someone needs to give birth to a child so that it will grow up and start working just in time for the retiree. If children get born too early, then you run into the problem of them needing their own caretakers. These children don't compensate for someone else leaving, so they add to the population and
their future caretakers will also add to the population leading to an exponential Ponzi scheme.
This means when someone is in their mid fourties and will retire in 20 years, someone needs to give birth to a child so that it will grow up and start working just in time for the retiree. If children get born too early, then you run into the problem of them needing their own caretakers. These children don't compensate for someone else leaving, so they add to the population and their future caretakers will also add to the population leading to an exponential Ponzi scheme.