You know when you’re getting old when just after your birthday those lovely little pension envelopes appear and they contain an extra booklet. I can now apply for free advice… I’ve just put all my pensions into a calculator. Sadly it says I can’t retire immediately. What’s worse is I currently can’t retire when I actually want to. They may not be true, but with my current ‘burn rate’ it’s certainly not sustainable. But alas, I’ll reevaluate it for the next five years. It will become a regular feature like filling out my tax return on New Years Day.

Don’t think I’d want to retire at the moment anyway, or even in five years for that matter, I think I’d just become a bit bored. But the day will come when I get up and think I can no longer walk forty odd miles just powered off a chicken sandwich and a bottle of coke.