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  Keith (B) - public sector pensions are a scandal, far too expensive and we can agree on that.
  
  There is no rule that everyone has to invest but it is wise if people do so and most people when they work can afford to do so if they prioritise it. This can be from only £20 a month upwards so it is accessible to everyone. It is appalling that too many people are not investing enough, you are right and in doing so they are blighting their future.
  
  In my time I have met many a person who 'cannot afford' a pension, investments or even some cheap life cover to protect their children and yet can afford to smoke 20 a day, pay for the full Sky package and go to the boozer a couple of times a week, not to mention holidays. When they get to state retirement age the crunch will come when they cannot find the money for those things and will have to carry on working if they want them. We all make lifestyle choices and that is what determines our futures. Investing in equities is open to all of us who choose to do so and there are ways it can be done with simple products without the added cost of advice, though good fee based advice is best and will pay off in the end.

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