It is generally true that most companies find it more of a challenge to engage their younger staff with saving for a pension than those in their 40's and 50's. However, all other things being equal, in defined contribution pensions, the odds are heavily stacked in the favour of the young so much more than those in their 40s and 50s - particularly now the annual tax allowance limits have been reduced.

It's all about time and the magic of compound interest. The further away you are from retirement, the more time you have to save and for those savings to also build over time. 

Some parents and grandparents start a SIPP for their children/ grandchildren - so saving for a pension really can start at birth!

For those without such generosity, your pension savings should start when you begin working. It really doesn't matter how small you start - even £10 a month will mean your employer will then pay something to your pension and the tax man will contribute £2.50 in tax relief.  If you pay nothing then you and your pension savings will miss out on your contribution, your employer contribution and the tax relief. Even very small savings will grow over time and you can increase your contribution annually as your salary increases. 

Most people starting work are likely to be able to tweak their budget to find £10 a month,  and then build on that year after year.

The sooner you start your pension saving, the more you will benefit and your 60 year old self will thank you for it.