To wonder if I’m completely fucked for retirement?

[thisishoiedoit]

So I would appreciate realistic opinions from all walks of life…

Am 47, recently divorced. Never really planned properly for retirement, many years as SAHM.

My financial situation currently is:
mortgaged house (with 300k equity)
defined benefit pension worth estimated 800 per month (upon retirement)
state pension record up to date
13k in private pension that I pay circa 500 per month into via my self employed income
workplace pension of of of around 200 per month contributions (part time job due to aforementioned self employment also)

Have I completely fucked my retirement? Would I be better off sacrificing the employed job with crappy pension in place of higher remunerated (but equally much more unstable) self employment?

Basically civil service but arms length. Equivalent pension, possibly better than CS although the quango I worked for no longer exists.

£800 pension from 5 years of working in a DB scheme means you must have been on a very high salary. Was it an 80th or 60th years scheme? Salary divided by 80 x 5 years = pension.

I have similar to you except no defined benefit pension.

And you think you're screwed haha

Not necessarily. It depends on the scheme and how long ago the member was active in the pension scheme. DH has a £4000 pa pension from 4 years in a final salary scheme when he earned £26k when he first started work in the 90s.

But £26k was a high salary. I earned between £6k and £10k in an entry level public sector role at that time. Even our middle and senior management wouldn't have been on £26k

It wasn't. It was 1997 when he started working there. £26k wasn't a bad salary but it wasn't high.

There were far more final salary pensions around then though and they all had different rules.

I think you’re worrying over nothing!

I am 45, no private pensions (well, maybe about £10 a month from jobs I did in my 20s), on long term PIP due to severe disabilities and unable to work. My house is worth quite a bit and I have no mortgage (paid off due to previously high income) but I’ll be managing mostly on state pension and disability benefits.