I got offered a new contract at work, and thus I've been invited into the company pension scheme. Pay in X% of my wage before tax, get it matched and doubled by the company. And if you opt-out, you're out for good.

All sounds ace, but I'm 20, so can you please tell me to live in the moment? Or instead tell me I should think of the future and that you pay half your wages towards golfing holidays when you're 72.

GO