‘Why am I not one of the millions of UK adults,’

About half-work adults are not paying in a private or workplace pension, the government revealed this week.

Self-planned, low-earned and women are Your pension is less likely -While only one-to-four people of Pakistani or Bangladeshi background are one.

The BBC spoke to some people who do not have a workplace or private pension to find out why.

“I am more concerned about living day by day than worrying about the future,” says 29-year-old Mohaimon.

Originally living from Bangladesh and now in London, they get work in the hospitality region and when jobs come.

He worked in retail during the university and was auto -nrolled in the pension scheme, but when he realized that he could not use the money until he retired, he stopped it.

“The whole dream of doing a good job and paying in pension does not seem that it applies to me,” they say. “Many of my financial decisions are based on survival – this is my reality.”

He says: “Even if I get a good job with good pension benefits, I will save for a house deposit. I will try to get £ 30k – £ 50k in my bank account. I think it’s more important than anything.”

Saira Amir, 46, is a self-planned stylist working in Norfolk. She says that if she can save for a pension then she – but she struggles to cover her daily expenses.

He has three children aged 21, 20 and 11 who all live at home with him.

“It is risky to be self-employed in this job,” she says. She wants to open her own salon, but says it is a big cost that she cannot tolerate yet.

Gets single mother Universal loan – A profit payment for people working.

But she says that it covers “is not enough” to get grocery accessories and £ 5 a day bus fare to get customers and also to pension.

Saira says that in the previous generations of her Pakistani family, parents may have trusted children to take care of them in their retirement, but that with her children, “I don’t know their mentality”, so she is not expecting her.

Those people may have to rely on state pension without private or workplace pension.

In general, you need 35 years of National Insurance Contribution to get full state pension.

This is £ 230.25 per week, which is equivalent to £ 11,973 per year 2025/26 tax year.

But the annual income required for the standard of minimal retirement is estimated at £ 13,400 per year for one person and £ 21,600, pension and lifetime saving association.

What it says to a “medium” lifestyle, a single person will require £ 31,700 per year, while two people require £ 43,900.

For “comfortable” retirement, it has an annual income of £ 43,900 for one, and £ 60,600 for two.

All employers should offer a workplace pension scheme to their employees, and automatically nominate those who fit certain criteria.

These include people who earn at least £ 10,000 per year per year, and 22 more are between the age of pension. But not self-employed under 22 years of age.

Workers can get out if they do not want to save. Otherwise, 5% of his earnings is extended to an automatically rescued in pension pots above £ 6,240 per year and 3% earning from his employer.

This idea is to encourage savings for retirement from earlier age, to uplift state pension in later life. Since its phased introduction in 2012, it has been widely considered a success, with relatively few people coming out.

Those paying in the workplace pension also get relief as to what they pay.

“, If you are a basic rate taxpayer who would have paid 20% income tax, it means that you get 20% tax relief on your pension contribution,” Helen Morris, Hargraws calls the head of retirement analysis in Lansdowne.

“This means that £ 100 pension contribution only you have to spend £ 80.”

She says: “For a high rate taxpayer who would have paid tax at 40% that £ 100 will only spend them £ 60.”

38 -year -old Victoria Olsena says that she is “barely knowing anyone” who is saving for retirement.

“People should feel that the future is going to be terrible and they should do something about it,” she says.

Originally a British citizen, after several years in Argentina and now in the UK, Victoria is the owner of his AI marketing counseling, earning £ 50,000 per year.

She pays a pension and one in Jesus and says she wants to start paying in pension soon.

In Hargreaves Lansdown, Helen says: “Retirement can feel like a long time and it may mean that you can prioritize other things for your money.

“But this is the long -term drip feed of the contribution going to your pension over time that actually creates its value.

“It will really help you to quickly hold with it quickly because it can be difficult to make the lost ground later.”

Additional reporting by Koni Bowcar and Kevin Pache.