You do not necessarily need the services of a professional when it comes to pension planning.  While they are helpful, you can easily handle determining what you will need for the future.  Start by developing a written plan on how you want to invest your money now so that you have plenty when you retire.  Once you have your plan in place, sit down and work out a monthly budget that you can stick to without overspending and depleting the money you are setting aside for retirement.  If you have to, take on a second part-time job as you near your retirement.  This will help you gain extra money and establish you in the after retirement work force.  Consistently review your bills, take whatever discounts you qualify for and comparison shop.  Being frugal never hurt anyone,  so start saving for your retirement as soon as you can.