Re: What do we expect?
If you think whatever it was you were paying into your pension was a big cost when you were a nipper you're entirely disconnected with the realities of being a young person today.
A big cost is a big cost no matter when it occurs. From memory my pension was typically a third, sometimes even a half of my monthly outgoings. That would be a 'big cost' whether it was £50, £500 or £5,000.
I'm aware it's more difficult to get on the housing ladder now and your point 4 is certainly worth adding to the list. However it doesn't negate the points I made. Follow my advice and you are more likely to pay off your mortgage early. Fail to follow my advice and you might never even get to the point of having one.
Biting the hand that feeds IT
