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Awful customer service, a client has been unable to close a bank account with a credit balance, for years!

Credit cards are also good for Section 75 consumer protection. Even if you pay off the balance in good time.

I know you’re a spring chicken, but is a military pension on the horizon?

A purely personal view, I believe that all interest-bearing debts should be paid off as earliest as possible. It doesn't appear that investments will grow exponentially anytime soon. But don't draw more than the tax free lump sum, without first carefully considering...

Too many noughts to the right!

In those circumstances, 99% of the time I would imagine that folk pay off debts from the tax free lump sum. I would hope so.

I love continental Europe, I particularly find the Nordic nations, Germany and Austria interesting. Not slagging off the UK here …. but I don’t blame you one bit. Berlin, Munich and many others are great cities.

Googling reliable sauces: Median average is the best measure of savings, because a minority of households have vast wealth in ISA’s which would give a high mean. £12,500 is the median savings per household, £25,000 at age 65. Pension provision is very disparate, but I’ve found the following...

To benchmark: 11m homes out of 29m have a mortgage, the average loan is £151,000. Average non-mortgage debt per household is currently £16,200.