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Don't forget £20k of that will be from full state pension for a couple (if you have it).

It's not happening until 2028 so plenty of time to update their software to 57 instead of 55 and change any documents.

It increased to 66 in 2019/2020 so not the first or second year....

Nail on the head there, as I highlighted above in the quote. getting over the mental hurdle of starting to run down your savings. This is a big hurdle and one I (meaning my wife) still struggles with. There is no point in saving for a lifetime for your retirement and then not spending it. I...