As long as you are an employee, be very afraid

Yes, you are an employee, in the private sector or in govt service, as
long as you earn a living by working for an organisation, you must take
note of the predicament you can be in. Even if you are a top civil
servant or a CEO in the private sector, if you did not accumulate enough
wealth for your children to live off the inheritance, think of what
would happen to them when they cannot