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Whilst you’re here, I will be changing trains at Swindon week after next. I plan to have breakfast there, before boarding my second train. Are there any decent cafes within sensible walking distance of the station?

It will make a change from Tory donors like Sir Peter Green raiding pension funds I guess?

I reckon it will be raised to 105 after Brexit.

That’s what you think; the government will have raised the age of retirement again by then.

As an aside I had my best university friend die suddenly a few years after we graduated. It was very sad. And having a friend die so young has definitely skewed my attitude to saving; I’d rather spend money on experiences as opposed to stash it away for a day which might never come.

My life is quite simple and I have no kids or a car (both a conscious decision) so outgoings are minimal and simple and easy to manage. I have my day job but have built up a second income stream which I’m quite involved with these days and is almost a legitimate business as opposed to the...