Do you believe in using a pension plan?

This makes a difference.

Aside from that it seems mad not to - as employers match what you put in (up to a certain amount) then you are essentially been given some extra free money, with the compound interest on top of it.

Not for yourself @yen, but for others who are not aware, Monzo also did a blog on pension types and terms that is good enough to post in a way it gets an auto preview:

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