40 years old and only have about 40k in my pension pot. DH ha even less. All down to shit choices made in our younger years/low paying jobs/lots of debt in younger years.
Can't really afford to pay more into it and still have 25 years left on our mortgage. Just keep worrying about how we will afford to live after retirement age. I know that's 25+ years away and it's my fault for bad choices/burying my head in the sand but I find myself constantly thinking about it and having moments of uncontrollable crying. My parents (boomers who don't have to worry about this) keep telling me the state pension won't exist by the time I'm a pensioner.
We live pretty much payday to payday and rarely have treats/holidays.
Day dreaming/nightmaring about having to move into a bed sit at 65 or have the house repossessed.
Constantly worrying about losing my job (not currently at risk of redundancy, the company I work for is growing hugely) and not being able to find one at a similar wage (pretty sure I'm well overpaid for what I do).
I don't really know what I'm looking for since no one can magic money out of thin air and we aren't in a position for one of us to retrain, we're both at the top end salary wise for the sectors we work in.
Probably just to say it out loud.
Does anyone else constantly worry?
I know we can't be the only ones in this boat.