Excellent to see someone thinking of their future.
if you want to ‘be present’ all your life and enjoy things like gigs (which, as we all know, don’t come cheap), you need to have money saved for those moments. Which is why, aged 20, I have a pension. I’m not the only one amongst my friends, but I’m certainly the exception rather than the rule. When I ask my friends why they aren’t saving for retirement they look at me as if I’ve just told them I like Kanye West (I don’t). The first excuse I hear is “But what if I die before I retire?”. Well, the odds are stacked well in favour of surviving: a mind-blowing one in three of those born in 2013 will live to celebrate their 100th birthday. So I tend to reply to that one with – “What if you don’t?”