Kelly Flood is 32 and an advisor from Manchester. She used to be cynical about pensions, but now she sees the value in saving for her retirement.
"I advise staff, students and members of the public about careers, wellbeing and finance. I recently bought my own house, and being a homeowner means lots of extra bills so I have to budget much more carefully these days.
When I was in my early twenties I joined a pension scheme with a previous employer but quickly opted out. At the time I felt that I would be better off with the extra money in my pocket each month. When I started at my current job around five years ago I was automatically put in a pension scheme.
I reached that point in my life where I began thinking more seriously about the future. Although I was cynical about paying money into a pension when I was younger, the contributions from my employer helped change my mind.
I feel that in an ideal world people should start saving for later life as soon as possible. With an ageing population the reality is that the state pension can only cover the basics. I believe that you need to take personal responsibility for looking after yourself in older age.
When I finish full-time work I hope to live comfortably, be active and still feel that I am a valued member of the community. I am keen to go back to university in later life to qualify as a counsellor, and then work on a part-time basis to keep me busy.
I think that everyone should have a pension through their employer. It’s reassuring to feel that you are doing something towards your future.”
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