The sooner you start planning for the future, the more opportunity you will have to invest for the retirement you want.
A pension isn't the only way to invest, but it is tax-efficient and allows you to take advantage of the pension freedoms introduced by the government in April 2015.
There are several ways to take money from your pension pot, and you can start doing this from the age of 55 (57 from 2028). However, no matter what decision you make, you don't have to stop working to start taking your benefits - it's up to you.
If you die before the age of 75, any money left in your pension pot can be passed on to your beneficiaries usually tax free. If you die after the age of 75, any money you pass on will be subject to income tax on withdrawal.