I’ve always fancied an early retirement, a chance to really get to grips with my somewhat neglected vegtable plot, enjoy a bit of child free silence and possibly get to watch some of the television programs that I want on TV, although that might require the services of a divorce lawyer. So for alaugh I thought I’d make a plan.

I thought that I should find out what sort of retirement income I could be looking forward to, will it be the house in Greece with the boat in the cove or I’ve got a small personal pension