What age do you think you’ll be when you retire ?

[Lardlizard]

What even is state pension age ?wonde did there wil even be a state pension when we are oap

On track for 55, 8 years to go.

54, retired almost 2 years ago, mainly due to disabilities

Never. Won't be able to afford to but don't have anything else in my life anyway

I will be whatever age it is when I drop dead because I haven’t planned well and will have to keep working in some capacity forever

Dead.

At this rate I'll be working til lunchtime on the day of my funeral.

Probably 75, same as my parents. Am 50 now.

I am planning on finishing work at 60 which is in 6 years. We are now mortgage free and husband is reducing down to 2 days a week from March when he will be made redundant from one job but still has the other. We probably won’t start drawing our pensions until 67 as we have enough savings to live off till then.

My pension age is 67. I’m self employed so I imagine having very long holidays in my 60s but maybe not finishing up completely till 70. I’m not sure, maybe I’d do some unpaid board stuff in my 70s. I’ve got a pension but also an isa I can dip into before officially taking pension.

In an ideal world, I would be leaving my professional post for a less stressful job around 40 - or at least going part time.

We are fortunate enough to be mortgage free, although not in a hugely downsizeable property. I would hope to be in a position at fifty where I'm working in a low paid but relatively stress free job that provides enough to meet day to day expenditure until I'm sixty. We're fairly frugal and both have reasonable pensions based on this projection (ceasing contributions at fifty), but effectively putting what we would pay on the mortgage into them now.

But then there's the fun of finding work at fifty... Hopefully attitudes have changed a bit by then.

Probably about 80 odd if I live that long.

I'm 29 now and have no real pension to speak of, have been in part time minimum wage jobs for the vast majority of my adult life so I'm entitled to state pension and that's it, the age of which keeps creeping up and by the time I get to retirement age will probably be pretty high.

Planned for DH 60, me 53 (at the same time).

I’m still in my 30’s so who knows. Can’t see me just stopping at 53, it still feels so young. But we both don’t want to work past 60 and have saved/planned for the gap between stopping work and state pension kicking in, 7/8 years later

I can see far more part time working for the older generation in the future - already seeing it now in my industry (actually I encourage it) and it works if the organisation is open to it.

Not sure. Depends how my health and my sons autism pans out. The mortgage ends when i'm 63 so I think that will be a time for changes.

67. But I can’t see me continuing to work full time as a teacher until then really.

50-55, if things continue as they are I will be mortgage free at 45, that gives me 5-10 years to ‘pay’ my mortgage payments into savings as a nice buffer.

While I aim to quit my job, I would still work in something more relaxed on a part time basis.

Planned for 60 for DH and 63 for me to go the same year. Mortgage will be gone when I am 50 and DH 47 and we will plough into pension after that. If we can go sooner we will.

70 maybe? Luckily I don't have a physically taxing job and atm I feel happy with that, I'm not great with unstructured time.

PIL are in early 70s and running their own businesses with no sign of stopping any time soon.

I don't think I ever want to retire as long as I'm healthy. I wouldn't do what I'm doing now but would probably find a flexible 0 hours contract so I can work as much or as little as I want to.

From my current job I hope to retire at about 62. State pension at 67. We have other investments and private pensions that should fill the gap between 62 and 67 which we won't need to draw on as much after 67. I know our outgoings will go down drastically once DCs have finished education, at which time I'll be around 60.

To those who are planning on ploughing money into pensions after paying off the mortgage, makes more financial sense to maximize pension contributions over and above mortgage payments early on to allow time for maximum growth in the pension fund and then reduce pension contributions and increase mortgage payments as mortgage payments is essentially dead money as it's not growing, whereas pension contributions will grow at a compound rate over time.

I wouldn't be surprised if it's 70. We are mortgaged to 65 although once childcare stops will overpay to get that down. I think my private pension is accessible from 60 but will keep going I would imagine.

I fully expect state pension if it even still exists to be 70+ by then.

State pension doesn't kick in until 67 but I plan to retire at 57 and will live off my savings and pensions.

I'm planning to retire between 60 and 61. I'm 53 now. Got a few private pensions and ploughing money into reducing mortgage so hopefully that will work.

I don't expect to ever retire. I could become unemployed very easily though.

I'm 27 and plan on retiring at 60/65 with private pension. Already paid off my mortgage so can start putting more in to my private pension and other investments.

I'll be in my sixties somewhere. We'll be mortgage free by the time I'm 50. We'll still have to put dd2 through uni at that point, but we should have more money to be able to put into retirement savings as well. So hopefully at 60, but I won't get a full pension til I'm 68, so maybe somewhere between the two.

I'm only 40 now though, so anything could happen in the meantime to mess up my plans. I like to know I've got plans though.

Self employed. I'll be dead.