What age are you planning to retire?

dm is 88 and still volunteers twice a week in a charity shop

i am rubbish when not working, no motivation

Are you in the 1995 NHS pension? Have you claimed it at 60?

I will be doing similar to you, like the idea of choosing when to work on the bank.

Retired at 60.
But …
-Took out ISA every year in my 50s but not always the full £20k.
-Paid extra contributions to pension from age of 40.
-Paid off mortgage

He's an HGV driver. Each of his days can be 14 hours long!

I'm 62 and enjoy the structure and social interactions work provides. I hope to carry on working part time indefinitely. I've never put off holidays so will carry on enjoying them whilst earning. 30 years retirement doesn't appeal.

I’m 40 and definitely can’t see myself retiring in my 50s. I might be able to work less hours but I won’t have millions in a pension fund so I’m happy to work as long as I’m healthy to afford things and enjoy life. I’d rather work than live frugally in my later years.

There was a man at my work (I'm an academic) who retired a couple of years ago aged 90. He was still publishing and teaching right up til his last year, but the commuting became a bit much. I'm not sure if he is still publishing now as it's not my area but I hope so. Really nice old bloke and I think when he dies a niche little area of knowledge will die with him (although it will obviously be written down).
I'm 47 and already work PT (have done since kids were little). Not sure whether to ramp up or stay as is now kids are secondary age and don't know when I'll retire. The job keeps me interested. DH has always said he'll retire at 50 but I don't think he will.

I’ll be 60 but I would try to get a part time job after that. Mine is a public sector pension so generous. I also hope to have paid my mortgage off by then. I’m currently skint and 43!

What does your dad do three days a week at 75, @PoppyBaxter - and what will you do part-time? Interested to hear about working later but part time.

HRTFT but till I die, probably. Part time work since dc was born, low paid work and time out for mental ill health mean my occupational pension is microscopic. I’m hoping to establish a career I can do flexibly in a work area I love, so that it won’t feel like work or impede what I want to do.

I'm fortunate in that I love my job and being self-employed I plan to gradually reduce my hours. I'll probably work full time until 52 as I want to see the
DC thorough University without too much debt, then I plan on spending 5 years boosting my pension pots. So maybe late 50's I'll start working 3 days a week, taking more and longer holidays but its all very flexible.

That’s what DH and I’d like to do, so trying to work out how to afford it and what we need to do differently now in our 50s.

Follow Rebel Finance School on FB and sign up for their free course starting in June. I didn't really understand investing (pensions, S&S ISAs) until I found them last year.

I retired at 57 and my OH (who is 3yrs younger than me) has gone PT (2-days a week) with a view to finishing completely in a couple of years.

Good DC pension (with AVC's) that I started taking immediately plus a smaller DB pension that (based on current drawdown) is anticipated to last well into my 70's.
OH has a mixture of work & private pensions (DB & DC) which can be accessed at different times.

We moved just before I retired and house is owned outright (we upsized with absolutely no desire or plans to downsize in the future).
No debt.
Significant savings & investments.

From the day I started work I always planned to retire at 60 with the ability to lead a busy & fulfilling retirement (i.e. good income & savings). As it turned out, I managed to achieve this 3yrs earlier than my "master plan".

I do think some of us nearing 55 are fortunate to catch the 55 year old retirement age before it's put back to 2028.

Around 75, or maybe go part-time around that age depending on what kind of shape my brain is in.

Both mum and gran worked to that age cos they enjoyed their job and it gave them purpose and a role in community, and they lived a good lifestyle alongside work from age 50 onwards or so. I live a very good lifestyle alongside work already at 35.

I don’t understand the obsession with retirement. Is it because people hate their jobs? What do people actually do all day long when retired but in excellent health? The only person I know that retired very early ended up sitting on board, became a judge and volunteered lots and looked for hobby investments, so it sounded like just taking on a number of part-time jobs.

I spent a couple of years in my life not working as ‘the girlfriend’ and those were probably my least happy years. Only so many gym sessions and cooking complex recipes 3 meals a day + friends/hobbies/day trips you can squeeze in. I ended up writing to fill my time so basically accidentally ended up in a job anyway.

Not way before, but 60-62. Part NHS pension, part private pension, and savings post mortgage.

Not moi!
One has only just started!

Hoping to go part time at around 52 (10 years time) I’ll probably drop to 4 days a week until age 55. Then go to 3 days a week at 58 and then aim to retire at 61 (ish). I’d like to do it earlier but I think going part time is a nice way to have more time whilst still building up my pension. It’s Civil Service so very generous thankfully.

I actually dpnt want to retire. I just want to be fit and healthy to work a nice, very part time job but I doubt they exist. Bit like being a teen with a staturday job again.

I've no intention of retiring. My parents retired at 50 and drifted into not doing a lot and sitting about. It became impossible to talk to them any more.
I'm 63, I'll give up my full time NHS job at 67 and join the bank doing the hours I want and need. I'm allowed to work to 75.
The money will allow me to do the things I want.

I’m retiring early from teaching this summer at 55. This will give me enough income to supplement a part-time, lower stress job. DH will be working for another couple of years and will then do the same.

DH is 5yrs older than me and he wants to go by 60. Our DC will be in their 20's by then.

I have a civil service pension which means I don't have to save so much outside of that - I will just have to fund 55- whatever the pension age is then (hoping it stays at 68!). If I stay working where I am I should have about £30k pa plus state pension.

I have a S&S ISA and a SIPP which I pay into each month to cover the early retirement. I started this in 2017 and I am halfway to my goal of £350k.

DH only has a DC pension which, although a decent amount, to match my DB pension he would need an eye watering £1m.

We will downsize eventually and give our DC some money out of the proceeds.

11 years to go... trying not to wish my life away and enjoy things now too.

I’m 56 and have no idea when I’ll retire! Am very much enjoying what I do. My mum retired at 75. My dad was about 70 but was beginning to get some health issues but still helped mum out in her business.

Hope to be retired in 2 years, I will be 52.

I'm 54 and retired 3 years ago when I gave up a mortgage. I survive on a relatively good defined benefit pension and will be cashing in another small Nest pension next year. I don't miss teaching one bit.