I work 60 hours a week and still can’t retire until 80 – I’m terrified over my lack of pension and feel like a failure

TYPING the words “private pension plans” into Google and hitting search, Jamie Bannerman is hit by a wave of anxiety and worry.

As the 46-year-old scrolls through the thousands of different companies offering “expert advice” and various pension plans, this feeling of dread worsens.

Not only does the self-employed teaching academy instructor have no idea which plan is best for him, he doesn’t even know where to start.