Night night every one. All this talk of retiring and money has made me very reflective. I have to say I am very careful with money. Probably because my dad wasn’t. He spend the last decades of his life living beyond his means on credit cards. . By the time I had to step in because of his memory loss, he was living off the state pension and owed £50,000 pounds to 8 credit card companies which meant the minimum interest payments were more than the total money he had coming in . Luckily I managed to sort it out before he died ( thank god for citizens advice ) , which means my mum has at least has lived to 86 in a semi comfortable retirement .
I only bring this up as a warning, to anyone thinking of retiring early . Please please make sure you have done all the correct calculations. Self delusion at this point only brings pain to your family going forward.