start later???

when i was a sprog the post used to arive before i went to school so that was also before most of the population went to work
now it gets delivered after 10am so if i am expecting something that wont fit through the door or need signing for i have to go colect it my self the next day

as for penshions i have always said they are a waste of time you would be better off just putting some of your wages in a high intrest account every month
atleast then no one can fuck you over