Sorry to hear about it Loz. Smaller gear is always a plus tho.
Glad you're looking at the future with a retirement
age in mind .
Tbh , the 'proper ' way of doing things ( work hard, join pension, buy a property) has gone out the window years ago.
I'm 2 years older than you, always in constant employment( less than 6months unemployed).
It looks like part time / temp work is the future .
And of course , wages are coming down while cost of living is sky high.
I think it's obvious pensions will be tampered with by any gvt we have in power( I hate all parties).
At least you have a fairly good pension to tide you over till the gvt one,
Try to keep your best stuff tho as you deserve it.