Aged 43, I've enough in my pension to last just TWO years - despite being careful with money, says JOE MINIHANE. Here's what I wish I'd known earlier... don't make my mistakes ⊕⊕

You may think it's my own fault and that, at this age, I should have put away more money. But the thing is, I have been careful with money all my life, have never taken on debt and have always saved.