10d • General discussion
Pension Reality Check (UK)
Here’s a fact most people don’t understand:
If you earn £40,000 and put £200/month into a pension, it may only reduce your take-home pay by £120–£160.
Why?
- Income tax relief
- National Insurance savings (salary sacrifice)
- Employer contributions (free money)
That’s why pensions are:
- Boring on the surface
- Extremely powerful underneath
Most people avoid pensions because they don’t understand them — not because they’re bad.
This is maths, not opinion.
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Pension Reality Check (UK)
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