For decades, David Gate put off paying into a pension as it didn’t seem urgent. Between career changes, workplaces that did not offer pension schemes and saving for a mortgage, arranging retirement savings always fell down the list.
His early career was a series of missed opportunities for getting started – an all-too-common error.
During his mid-30s he was offered a pension while working for a technology company, but his colleagues told him it was badly managed and he decided not to pay in.
And he aborted a plan to pay into a personal pension to prioritise saving for a mortgage.
It meant that,
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