[piaste]

> likely won’t retire here so won’t use those either

I don't know which country you're living in, but surely the money you paid into a pension scheme - be it public or private - doesn't just disappear because you moved to another country?

Spain is famously full of UK pensioners receiving and spending their pounds there. Heck, my father worked for a few years in Belgium in his youth, without even being a citizen, and that still entitled him to a (minuscule) Belgian pension later on, in addition to his more substantial one from his subsequent decades of work in a different country.