Most 30 something year olds get thrown into a pension by their employers and escaping it takes some serious effort, so most just stay in for the ride. These pensions are called workplace pensions and your employer is compelled to pay into them.
I was young, naïve and impressionable when I first got involved with a bank I’ll call Cash Con. Only decades later could see the damage done by reliance on a false friendship. When the day dawned that I saw what an idiot I’d been, I cried tears into an empty purse. “Why did no one warn me?” I wailed.