<prompt> Human: I am 23 and live in the U.K. The government recently inctroduced a workplace pension. The employer contributes 2 while employees contribute 3. I decided to increase my contribution to 8. My colleagues looked at me as if I was crazy for doing this. Most of them have opted out. I am happy with my decision, but wanted to know your thoughts.  <response>: If theyre saving for retirement using other methods then maybe you should ask them what theyre doing instead.If they arent planning for retirement at all, you should ignore them.My thoughts depend on variables you havent mentioned 