I got made redundant nearly 2 years ago at 53 and decided to start-up my own little online business – it’s doing OK, pays its way and continues to grow but whether it pays me back the money it owes me I don’t know. Had a pension review with a financial adviser at 55 – appears we’re OK so only problem is income until I reach pension date – have a house with no mortgage. Put house on market last week, agreed sale in 72 hours so now looking at doing a self-build in Scotland. Got a better price than we expected and can probably survive will little income on the house sale proceed until pensions kick-in. No flashy cars and no fancy holidays will be the sacrifice – couldn’t be happier.