Joining my company pension scheme at 17 after being set on whilst on a YTS. Had no idea about these and to be honest you had to opt out as opposed to opt in but I was advised it was a good thing to do. So glad I did (I'm now 45).
Not advice as such but support - 'Do what's right for yourself, I'll support whatever you do'. My mrs said that in 2009 when I was so fed up with work. I was debating voluntary redundancy. Applied after talking with her and it was the best thing I ever did.