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But then, as someone said to me at work today, "Remember, some people on the Titanic waved the dessert trolley away."

I'm a long way off retirement but even so I wish I had planned better when I was younger, but we are where we are. The costs of just day-to-day living and bringing up a young family in a village in the Home Counties means extra cash to invest for the future is never going to be in abundance...