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I *think* Martin Lewis said on TV to go back to your old employer and ask them very nicely to re-employ you and then furlough you on 80%. I MAY BE WRONG, as I was looking at NSC while he was saying this and was only half concentrating. It was episode 2...

Good advice. I won't touch it when I am 55, well only in a situation like this if monthly income were to disappear.

My rainy day fund is a not too bad pension pot. Unfortunately, rules is rules and I can't do a drawdown for 3 years. Obviously there are scammers out there trying to get at it.