I'm 32 and I'm not working right now due to illness that will likely progressively worsen, though may improve to a point where I can return to work, it's unpredictable right now (CIS, precursor to MS, so depends on if it develops to full blown MS). I have some savings from back when I was working, and wanted to tuck some away for future.

With pension I would face the same issues, in that the national age could increase past my life expectancy. I read a lot of comments here that people are concerned about the future of UK pensions, that the age will increase dramatically to combat the ageing population, lack of funding in the pension pot, etc. etc.

Another concern is the future of the NHS. I'm already struggling in the system and dread to think what it will be like in 30 years time. So I wanted to prepare financially for whatever may lie ahead.