Statistically, women live longer than men and therefore , we need to find a way to ensure that we can live well at any age. Pensions are an investment into your future self. If you enjoy a certain lifestyle, you probably want that to continue well into your old age.
Pensions kick in upon retirement. The good news is that you can retire whenever you like so far you are comfortable with the life and income you are getting. If you do not have a viable pension, you are more likely to work till you are 80+ years old.
Start early and it is not too late.
When will you retire?