So I've been a sahm for about 6 years now but previously had been working since I was 18 & have about 4 company pensions sitting around each with a couple of thousand in only.
I have no debt but no savings either. I can afford to put away about £20 per month & that is it!
Is it even worth having a pension at all or should I take the view that £20 pm is better than nothing & just take out a bog standard personal pension?