Use the power of compounded returns! Saving into a pension in your twenties will mean sacrificing hundreds a month less later in life, research shows A 25-year old wanting to retire at 55 with £13k a year needs to save £496 a month But if they wait a decade until they are 35, this rockets to £830 per month To retire at 65 with £19k a year, a 25-year-old needs to save a smaller £479 p/m That rises to £716 if they started when they are 35