If you’re a higher rate tax payer living outside London you’ll have enough to be able to put a bit aside for a pension. If not you won’t.
The government says wages are rising but in my part of the country the only people who’ve had wage rises in the last five years are those on minimum wage (Chief Executives on large salaries excepted.) This means that those who were just above minimum wage were overtaken and now also on minimum wage.
There’s no way the average person with a mortgage and a family has spare cash to put into a pension pot. Pensions cannot be considered until the children leave university and possibly home!
Seasons greetings - Yule cards
Irritating - rude behaviour
I'm cold - heating