Having now been totally worn down working, the prospect of retiring a lot sooner than I had thought possible is now becoming more urgent.
In theory, I have a pension pot ( post divorce) that, when combined with equity from the house SHOULD enable us to downsize with no mortgage.
We’d then have only state pensions and income from 12-15 year private work pensions. I have absolutely no faith in financial advisors post divorce.
I’m leaning towards just saving as much as we can ( currently minimal! ) in a ‘life savings’ pot as a buffer but am not sure if I’m being hopelessly naive and should be putting a lot more time and effort into pension plans!