When Should I Start Paying Into a Pension?

You know you should start a pension and you keep not doing it. This makes the cost of waiting concrete: a worked example with your monthly figure, a 5% growth assumption and retirement at 67, showing the pot you'd have starting now versus a few years later. The compounding gap usually does the convincing for you.

I am {AGE} years old and have not yet started paying into a pension. Explain in simple terms why starting now, rather than waiting {DELAY_YEARS} more years, makes a material difference. Use a concrete worked example with: monthly contribution of {MONTHLY_CONTRIBUTION}, assumed annual growth rate of 5%, and a retirement age of 67. Show the projected pot size and total contributions for both scenarios, the compounding gap in pounds, and the monthly contribution I would need to start in {DELAY_YEARS} years to achieve the same pot. Keep the explanation encouraging and accessible, avoiding financial jargon wherever possible.