You may have left university with a substantial student loan that needs to be re-paid. Another priority may be to save for a house deposit. But, you are also wanting to enjoy your life and the disposable income that you have for the first time.
Marriage or a civil partnership may be on the cards, and you may already have, or be planning to start a family. And it’s now that you should consider planning for your retirement, as the sooner you start saving for it, the more you will have to enjoy later in life