Am I in a terrible financial position? How can I improve?

[pinkypank]

I'm panicking that I've messed up with my pension situation and am posting to see if my/our financial position is bad or ok. I don't have parents to ask for guidance on this and I'm generally not good with numbers or finances in general.

Disclaimer that obviously I realise there are people much worse off than me.

I am 28, live with DP, getting married in 8 weeks time. No DC.

We both earn the same salary of £37,500

Mortgage of £219,000 with £74,000 equity.

Own 2 cars outright, worth about £20,000 combined, but no other notable assets.

I have £100,000 of debt with student finance England, it's currently increasing because of interest not reducing.

We have no other debt.

I am panicking because I have under £3,000 in my pension because I've been at university for 6 years and I know I have time to pay in but I feel so far behind I know I should have a lot more than this is my pension. What can I do?

Neither me or DP will get any inheritances or money gifted in the future.

Any thoughts on my financial situation or how I can make improvements? Am I doing badly? I'm overwhelmed with anxiety about the pension thing.

Thank you

That's good to hear thank you

@DoTheDinosaurStomp yep same here!

I remember being told, if you don't know what to do at uni just do something you enjoy.

That led to a completely pointless degree and a minimum wage job.

Yep, biochemistry degree and didn't have a clue what I wanted to do after it. 10 years on and I thought nursing sounded like a good option, I'd have a career for life etc. I wish I'd have done nursing from day 1!