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I suppose I was a bit economical with the truth, I still keeping contact with a work colleague who is a Wolves STH, still always guarantees a good session in the Great Western pre-match

One other thing I did when I worked was always go on the Xmas meal with the majority who had retired. Since retiring over 4 years ago haven't bothered, just moved on, not my scene etc

That was one thing I never missed. I made a huge effort once retired to totally re-invent myself and change my lifestyle completely

Probably the most important statement regarding retirement, several people I know passed away either just before they were due to retire or very quickly after they did. If you are in a position to retire do it, there is loads to occupy your time.

This is so true, three people I worked with passed away just before of very soon after they retired. A lot of decisions on retirement must also include you as the individual.

Just past 4th year anniversary of retirement, magnificent as every day a blank canvass to be filled

Good advice, those people were all over me when I downed tools at 54, never been so popular but ignored them as final salary pension

Use a managed service the one I use once Kama-Kwazi struck was down £10k, already back where it was. It pays to use experts in the field

4 years in January since I retired, probably the best decision I ever made leaving a stressful work environment

So long as you don't leave your coat laying about

Good valid point about downsizing as may release more cash, something as yet to be considered in the Hut household however three years down the line from retirement haven't spend any of the tax free lump sum

I didn't, however, I got a pretty healthy tax-free lump sum of which some will be used when required to get the two kids on the property ladder.

Been retired over three years now and Mrs downed her hours severely last October. Mortgage was paid off a year or so prior to retirement and only one kid was still at home with half a Uni year left. I think the most important thing is have a plan but as others have stated it takes time to...