Pensions scare the s**t out of me, admittedly (both in personal terms and state terms).
Being old and poor (and probably unable to work and bring more cash in) scares the s**t out of me more than anything.
Get your private pension sorted out when you're young, kids, and don't take "never-never" debt like student loans![]()
Nah, **** that. Have a ball when you're young, max out a couple of dozen credit cards, take out bundles in unsecured loans, then knock the lot when it comes on top.

