The best time to think about your pension is before you need one

If you’re in your 20s or 30s, retirement may be the least urgent item on a long and expensive financial to-do list. Paying the rent or a mortgage comes first. There may be student loans or credit-card balances to pay off. You might be trying to build an emergency fund or save for a first home. Add higher grocery bills, and retirement can easily become a problem for your future self. That feeling is understandable. Canadians aged 25 to 44 have recently reported high levels of financial stress.…