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    Harry - remember we are still only talking of the age at which you can draw a State pension.

    People who wisely plan and prepare can still retire early, or as so often happens now, partially retire. The word early really should not apply any more in fact, the demise of the fixed retirement age is happening.

    I have clients who have been with me for 20 years with really quite modest incomes, some in manual jobs, who will still be able to fully of partially retire before the State Pension age.

    It all comes down to planning and being sensible, not how much someone earns. I have seen lots of people with piles of dosh, 6 figure incomes, who have less provision for retirement than a certain manual worker client of mine.

    It is all about lifestyle choices that we individually make.

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