Speaking to an existing teacher at my school she tells me to expect around £100 of my salary to go towards my pension. I have just turned 22, and my sister tells me I'm far to young to have to realistically think about this right now, and that I should opt out and save myself some money each month. But there must be implications to this yes? If she's right when is the right time to start paying in? Also, if I start paying now, and continue to do so, how much can I expect to retire on? I really don't understand how the whole system works at all. Can anyone point me in the direction of some good advice? I no doubt sound incredibly naive and silly, so apologies in advance.