Should I get a pension?

James · 2004-05-16T17:26:33+00:00

I'm 23 now and I'm unsure whether or not to get a pension. I have about 3K of debt made up of credit cards and an overdraft. I also have some savings but I would prefer to leave these alone incase I buy a car. Should I just concentrate on clearing my debts first or just keeping paying them and get a pension? TIA.