Don’t bet on anything that is not in your possession. Government and private pensions are great but their existence is out of your control. You need assets to

Don’t bet on anything that is not in your possession. Government and private pensions are great but their existence is out of your control. You need assets to live on and a roof over your head and we found it a whole lot easier to do slow and steady savings than panic at 45. Particularly is tech people might be dog food by then.