I'm at the start of giving this some serious thought now.
I'm 44, and currently working full time on a decent salary, but would really like to not be working forever - at least, not doing what I do currently.
I've been fixated on paying off the mortgage, and am about a year away from achieving that (thanks also in part to a donation from the bank of mum and dad, to be completely transparent). So now it's time to think about what's next.
Aside from the mortgage thing, I'm a bit spend-happy. So I need to reign that in for starters
A couple of unforeseen events over the last couple of years wiped out my savings, so I've restarted on that over the last couple of months. I'm one of those people who find it way easier to save when there's some money already there, so I've shoved £2K in a Zopa instant access cash ISA at 5.08% to get me started.
As a higher tax payer though, once I've got a bit of a safety net built back up, it feels sensible to start stashing chunks tax-free into my work pension, so I'll be looking at that as soon as I start at my new place (in May). I'm thinking maybe £30K a year might be sensible.
Pension-wise I have a fair few, but my current pots stand at around £160K.
Plus I have a couple of years of a railway final salary scheme that should help.
I also need to think about t'other half, who has minimal pension stuff in existence, and no current pension plan. I've been planning our future based on mine, but if I snuff it before him, he's going to need something to keep him going too.
Oh, and I have no shares/investments, though I should have an equity option in my new place of work towards the end of the year...