My dad always wanted to retire at 40. Things went wrong. 40 came and went and I thought perhaps at 50. That came and went to. 60 passed. 61 official retirement age. He claims to have retired, but he has not really.

I am past 30. I cannot see either my husband nor I retiring. Albeit I don’t have an official job but it does not mean I won’t be returning to work in the future. So I am looking into pension options like trust deeds and ISAs. Yet property always seems the better bet. I hope I don’t get it wrong. I dread to think of being in a situation where I could not work and could not afford to live!