If anyone is worried about their retirement you may want to checkout this previous topic:
Retirement Planning for ex-JWs
The key thing to remember is that many people haven't planned well or saved as much as they maybe should have, so you're likely not as far behind as you imagine.
Also, the pension industry wants your money, so they don't tell you that you might not need as much as some of the calculators predict - they tend to tell you the total amount you might need, forgetting to account for the fact that some of that may very well come from state pensions etc..., and you "only" have to cover the shortfall (or just plan on a more frugal lifestyle).
Retirement planning, like general investing, is like planting a tree - the best time to start was 20 years ago, the 2nd best time to start is today.
But ignore the P2P lending mentioned in that other topic - that kind of imploded with the Covid outbreak. It's important to keep up with what's happening with where you put your money - if there is a whiff of trouble, move it. Don't be the first one in and the last one out - preserving capital is more important than the promised returns (although "some" amount of risk is usually good to include)