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Nice one. So half of this ie £80 would give me 25k and 4.5k a year . Factor in state pension whatever thats worth ? and maybe no mortgage to pay etc then that would be worth it

yes , minefield though as advice always biased and online hazy Get out clause is mortgage will be paid and possible inheritance.

yes understand this. Not sure what option a not very good pension will give me.

but unless paying in big lumps its going to be a pretty shit pension (and confirmation of £200 confirms it) . Yes better than nothing but worth skinting self for now to be a little bit less skint in 25 years.

Worth paying into one post age 40 ? (assuming company matches amount) , searches online seem to suggest no point unless paying over £200 a month Therfore, Better with an ISA ? Probably to vague a question I expect.