Planning for old age- late starting a pension

[Startworkbob]

I have been a stay at home parent or student over the last 12 years so have put no money into a pension for myself. My husband has a pension which will be a nice amount a year. I start work in September in the NHS.
Is there a way to catch up somehow on my pension? Have looked at LISA and tried to understand how the NHS pension scheme works but I'm a little confused and unsure about how best to plan for retirement age now.

How old are you

I'm 32.

You've got another 35 pension paying years ahead of you so that's good. The only thing I can suggest is paying more than the minimum into your pension. Even if you increase your own contribution by just 1% every year it will mount up over 35 years.

Have a play around with the figures because when you pay more into your pension, your tax bill reduces, so you don't end up much worse off.

Don't know anything about LISAs sorry.

Careful as it might be better to have nothing rather than something...you will get pension credits etc

Just put away as much as you can. I don't know how it works with an nhs pension but my employer puts in 12% and then matches any contribution I make up to 3%. I know work part time but still have a good salary, but my pension pot is still not great. About 90k at the moment and I'm 38, conservative estimate is I may have 5 or 6k a year at retirement if I keep putting on st the same rate. Which is not really enough to live on. Unfortunately I doubt there will be a state pension as we know it now when we retire, and we're likely to be well into our seventies before we get it....

*now

I think there may be a way you can buy years in the nhs scheme, through additional lump sum contributions, however you will be putting in a hefty contribution per month anyway. I have a stakeholder pension in addition to my nhs one, for a small amount.