[dndn1]

Author here -

Health warning third bullet point is:

> Even when there is tax relief to save for a pension, this doesn’t mean that there aren’t taxes on pension income after retirement

and the footnote to it is:

> often there are taxes on pension income - so that it might be better to say that tax is deferred rather than relieved whenever we save↩

I'll consider bumping the footnote since it's important.

I might try to capture the more complete picture including post-retirement separately - a problem is that there are so many different configurations of this (e.g. in Ireland there are tax-free lump sums permitted at retirement, then there are a few specific options about the rest - and I'm probably still simplifying). But when I get comfortable about something relevant to describe, I might.