which is why when you get also enrolled into that pension, don't opt out.

Put in as much as you possibly can to benefit from your employer's contributions.

So they will maybe match it, they will add a certain percent if you put a certain percent in,

they might even more than match it.

Make sure you're taking, putting in as much as you need to to get the maximum that

they will give you, because otherwise you're turning down free money. Remember that the money

you put in automatically gets a 25% boost thanks to, you know, tax relief. And then remember that

over a really, really long period of time, it will make a huge

difference to what you have in retirement. So let's go to somebody who puts in 200 pounds a

month into their pension and they do it for 30 years and they get a 6% return. So 30 years, they don't start until they're

age 35 and they do it until they're 65. They would end up with 201,000 pounds. Now, if they started

when they were 25 instead, they'd end up with 400,000 pounds.

So basically, pretty much twice as much money, that's going to make a huge difference

to the retirement that you get at the end of it.

So if you're listening to this and you're in your 20s, put that money in your pension.

Because 65-year- old you will say thank

you in 40 years time that you did it instead of waiting until you were 35. And I know that probably

that 200 pounds a month is quite a lot of money for you and feels like quite a lot of money for you.

But bear in mind, you're not putting the whole 200 pounds in. First of money for you. It feels like quite a lot of money for you, but bear in mind,

you're not putting the whole £200 in. First of all, you're putting in a certain amount and then

your employers probably matching it, and you're also getting a 25% uplift on the money that you

put in. So it won't cost you £200. It'll cost you much less. And at some point, you in your

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