@PhamieGowsSong Those of you who retired early how much did you have in your private pensions when you took retirement?
When we first stopped working in a corporate environment DH and I started a small gardening business and did that to make ends meet for several years. We're still not state pension age but take our private pensions. Because we downsized we have no mortgage so we are very lucky in that respect.
We live a full, but very contented life - allotment growing our own food, camping, walking, gardening, free exhibitions and museums, charity shop and home made clothes, wild swimming, second hand bikes, clothes, library books, and car that could only be described as a piece of crap. The two of us live on about £18k a year all in, bills, food everything. That comes from private pensions (his and mine) and a little bit of gardening and antique dealing (both are hobbies so not like work) that we do for beer money.
It really wouldn't suit many people I'm sure but we don't want cruises, meals out and stuff. We're pigs in muck and I'm sure most of our friends, family and neighbours think we're drop out hippies/peculiar/worse, but they are too kind to say so and we are pigs in muck.
Something we've found is that when you leave the corporate ladder the world you step into is full of lots of people living interesting and satisfying lives well outside of the norm. And I say that as a person who was driven careerwise and in my 30s would have said I would never retire.
It's amazing how little money you can live on if you are content with very little.