Gen Z face rising living costs, stretched salaries, and financial milestones that feel further away than ever, which is exactly why pensions matter. Your pension is one of the few areas where time works in your favour. Even small contributions, supported by your employer and tax relief, grow steadily in the background. Research shows a 25 year old today may need a pension pot of £3.1 million to retire comfortably, which highlights how valuable early action can be.