Every little bit helps, laws are now only starting to be implemented here once again where money is taken directly from salary earnings into pension fund.
When changing workplace the pensionable amount no longer available for withdrawal, as happens with many when short, try cash in, then later have nothing.
Too many rely on Government where minority earn and pay taxes to support a majority, wheels have to fall off.
Strict on oneself when going it alone is to make a 5 - 10% minimum monthly earning and place straight into investment that is able to grow, some of these offer tax relief to individual depending on country.