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Good advice. The same goes for short termists who opt out of employers pension schemes. Madness when you’re net of tax small contributions are generally part of a far larger investment for your future and low-cost these days.

Well done (not said sarcastically), you've done well for yourself/ves.

Raiding pension funds was outlawed after lifelong Labour supporter and party donor Robert Maxwell stole the Mirror Group's pensioners fund. Agree with you about Philip Green, but his was a different and legal type of 'theft'. Over 15 years he didn't correctly fund the BHS scheme in the opinion...

Joking hopefully? Non-state pension schemes can still be accessed early.

A Rolex.

Great move in going back to paying full national insurance! A bit less net pay, but now you're reaping the benefits with a much higher state pension. Pension funds & divorce - thesedays the spouse with the lower (non state) pension pot value, would get a fair chunk of their spouse's pension...

By 2014 alone, that had robbed all pension funds of £117.9bn of cash that otherwise (under the old system) would have been invested. With 20 years of growth on that sum, invested on equities etc, lost...

I only mentioned life assurance as spongy touched upon the subject. I was only thinking if and after some savings could be made elsewhere. (Or greater income from the Bozza idea). Obviously not a priority!

I’m ‘on your side’ 100%, so please don’t be offended by some small ideas: Do you shop at Lidl? The savings are in the £100’s per month, and the food is often better. Shop around each year on insurance? As a tenant, can you have a say on home fuel provider? Separate point re life assurance, if...

Building far more homes, with a generous proportion of affordables, would me a massive start. Cut the planning redtape (but still protect genuine greenbelt, ancient flora, fauna). Despite the bitchy leftwing comments on crap sites such as the Argus, affordables are far, far cheaper per month...

You’re actually living like so many people I know through family, friends and work. Possibly a third to a half of families. People flog their cars altogether when they breakdown, topup their bank current account with drawn credit card cash to prevent going overdrawn, payday loans, etc. The...

.... but at least you then had the freedom to pursue the likes of Rachel Burden :love: and play your Smiths/New Order records as loud as you like. Bliss.

Many millions can’t afford to do that. Instead fire fighting each month to meet each DD or groceries bill as they arise.