my typical monthly expenses are about 1500. my income is about 4000 month so im able to save on a normal month a little over 2000. my expenses wont really go up for any reason apart from inflation/cost of living because i have a fairly low maintenance lifestyle. I know now about investment, nothing about tax breaks/tricks or anything smart financially....im very basic at all this. I know how to save and thats about it. ive thought about investing because i have healthy savings but ive no idea where to start. going back to the topic at hand, i just dont know if i NEED a personal pension or if im just being ignorant by saying a state pension will get me by.