@sjle3 All is not lost, but you have to plan well ahead to get the best out of pensions. Too many people have relied - and still do - on the state pension as being an unchangeable, everlasting piggy bank. The fact is it's a "benefit", in the same way as "winter fuel payments", "job seekers allowance", "child benefit", "universal credit" etc.
Historically, governments provided state controlled "top-up" schemes to supplement the basic state pension (graduated pension, second state pension, state earnings related pension scheme). Your "top-up" was paid at state pension age. That's no longer the case as you have to provide your own "top-up". In April 2016 the pension scheme was changed - the basic state pension was increased from about £115 to £155 and now goes off your national insurance contributions.
To "top-up" the state pension you have to get a workplace or private pension. You should regard these as your own piggy-bank where £2000 can become £40,000 over time. Pension pots of £100,000 are easily achievable long before state pension age. Recent changes to government regulations mean you may be able to activate a workplace or private pension at any age, subject to the pension providers own rules. This is why everyone should put into one of these schemes. They give you the option to retire early or activate the pension and work part-time etc.
Rather than think of the state pension as your main income and workplace or private pension as a supplement, try to plan it the other way round i.e put more into your workplace pensions to give you the choice of when to retire, and the state pension as a nice "top-up" later.