Today on the show, Niall opens the phones on the new auto-enrolment pension scheme — or as many listeners are already calling it, “paying for your own pension.” From 1 January 2026, a new scheme called MyFutureFund will automatically enrol workers who don’t already have a payroll pension. If you’re aged 23 to 60, earn €20,000 or more a year, and aren’t paying into a pension, you’ll be enrolled whether you like it or not. You, your employer, and the Government will all contribute — and you won’t be able to opt out for at least six months.