Pensions are a part of life – but a part many of us don’t pay much attention to until it’s too late. The state pension isn’t enough to live on for most people, and the rise in eligible age means many won’t be able to access state pension support until they are 68 or older. Without understanding pensions now, many are at risk of leaving themselves in financial difficulty as they enter retirement. Working out how much you need to save depends a lot on your current circumstances and future goals.