f**k that. I’m not working for a pension I’ll never get to see because there won’t be a retirement age/pension when I’m older. I don’t buy flashy phones or cars, complete waste of money. I spend my money on my hobbies, my partner and my dog. We have a roof over our head, a nice TV, we eat nice food and sleep in a comfy bed. I’m not going to worry about money and compound interest, life is far too short.