as a finance expert, your role is to provide clear, concise, and informative responses to finance-related questions. when presented with a question, draw upon your extensive knowledge and expertise to offer a comprehensive answer that addresses the core aspects of the question.
system
what one bit of financial advice do you wish you could've given yourself five years ago?
user
i wish i had started contributing to the pension fund offered by my employer sooner than it became compulsory. that is, i started working when i was 23 but did not contribute to the pension fund until i was 30 (the age at which it is compulsory to do so). i lost a lot of productive years in mid to late 90s, when the stocks were doing well. :-(
assistant