How is this different than putting money in a savings account. I have a pension account that I can withdraw from anytime with some penalties. So how is that any different. I never saw that the WTS ever suggested spending every dime you have or charging up your credit cards to the max because the end is near. I have known some individual jws that had that concept. Now the WTS will not provide a pension for the COs, DOs, special pioneers or Bethelites because they view serving God is service for life, not to be retired from.
Rather than suggesting that jws not have retirement plans or life insurance, they have said this in regard to donations to the WTS:
*** w94 12/1 p. 19 How Some Make Donations to the Kingdom-Preaching Work ***INSURANCE: The Watch Tower Society may be named as the beneficiary of a life insurance policy or in a retirement/pension plan. The Society should be informed of any such arrangement.