The article discusses how Nigeria's informal economy excludes millions from the formal pension system, according to experts.The informal sector, which employs a significant portion of the population, lacks structured retirement savings mechanisms.Experts warn that this exclusion leaves workers vulnerable to financial insecurity in old age.The piece highlights the need for policy reforms to integrate informal workers into the pension framework.It also mentions challenges like lack of documentation and regulatory gaps that hinder formalization.Solutions proposed include expanding social security coverage and creating incentives for formal employment.The article underscores the importance of addressing this issue to ensure long-term economic stability and social protection for all citizens.