Honestly mate, I’ve been saving into a private pension for over a decade (I’m in my early 30s). Thought I was being the sensible one who would be laughing in my 60s. Now seriously thinking I could have just gone on holiday twice a year instead.
Anybody with any savvy would have fucked them off and got into property. I should have done the same but sadly didn't. It's too late now as they will kill that option off too.