My DD and family lived in Lucerne for 7 years, until fairly recently, and I visited several times a year. One thing she and her OH observed very early on was that the Swiss were obsessed with their pension provision from a very young age; in her circle the ambition was to retire on 90% of their salary, and judging by the happy, healthy, smartly-dressed oldies I encountered, most of them were succeeding. This is partly necessary because many, possibly most people live in rented apartments, so have to pay rent for the rest of their independent lives. They also do not buy as much stuff as we do, concentrating on fewer, better quality possessions/clothes. It's stunningly beautiful, very clean and efficient and feels very safe, but extremely conformist with a very slight frisson of anxiety running beneath.
They loved their time there but are very happy to be back in the UK. Love having them nearer,but miss my trips.