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    Is it logical to opt out of my pension?

    @fromtheearth Ah yes, that makes sense, I'm sorry you're in that position. Does your university or field have any scholarships you could apply for to help with costs while you're writing up?
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    Is it logical to opt out of my pension?

    @fromtheearth How many hours of teaching is it? 18k is very low even for unis, so I am assuming this is not full time. How long do you expect to write up? Could you get other sources of income (especially once you have submitted)? Could you do an hour or two of tutoring, for example? Or get...
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