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I paid silly amounts of money in commission for a couple of DB transfers with the Government required reports, but it was the right thing to do. The trouble is everyone's situation is different and what works for one, definitely doesn't work for another. It was always DB good, DC bad, but I...

I left school at 15, did some really stupid stuff and got into debt when I was young and never ever considered my pension until I was 40. But I did learn from my mistakes :wink:

Could be worse. I have no debt and I own quite a lot of nice stuff but I'm falling apart :wink:

Exactly the same (but more significant than a bit) and only managed to clear it because of selling a house. Apart from mortgages, never did it again and although I have credit cards, they've always been paid off every single month since. Having grown up in a poor family in a very poor area, I...