I saw a post saying: “55% of 18-24s have already opted out of their workplace pension. Those with the most time to let money compound are walking away from free employer cash. Worst decision they’ll make?” I didn’t repost, as the stat confuses me. Pension auto-enrolment only starts at age 22, if you earn £10,000+ a year. So for 18-21s, there isn’t usually an 'opt-out' situation. BUT...the underlying point is important. If you’re under 22 and earn over £6,240 a year, you can choose to opt IN to your workplace pension - and your employer then must usually contribute to it too. And in some cases, especially say if you're living at home with parents, so have lots of disposible income, its a fantastic thing to do. You get extra money from your employer and it has HUGE time to grow before you retire.