Advice?

What advice would you give to your teenage self?

Well for this prompt the first thing that came to my mind was work for the civil service!

We spend most of our lives working.  so work in the public sector.  They offer lots of different departments to suit lots of levels of experience and education. Their jobs are pensionable meaning you will contribute automaticcaly to a pension….it’s an automatic savings plan for the future!

In the private sector, well thats a different story.  You work just as hard, could work identical hours or longer hours but dont pay into a pension automatically if at all.

So I would tell my younger self to pick a job that is automatically pensionable and don’t waste time in the private sector….unless at a young age I was wise enough to pay into a private pension!