In your 20s and 30s, focus on starting a pension, building savings, managing expensive debt and reviewing beneficiary details. In your 40s, check whether your contributions and investment approach still match your likely retirement goals, and consider protection and other long-term savings. In your 50s, obtain an up-to-date pension projection, review charges and investment risk, and consider how you might fund the years before any State Pension entitlement. In your 60s, compare potential income options, check tax implications and organise key documents. Pension rules, limits and State Pension conditions can change, so confirm details with Revenue, the Department of Social Protection or a regulated financial adviser.