Spouse pension etiquette?

Albermarle

This is an interesting guideline to income & lifestyle in retirement
Retirement living standards | Loughborough University (lboro.ac.uk)

Sea_Shell

DT2001 said:

I’d suggest you read sea-shell’s thread as well as the numbers ones. She gives a detailed breakdown of their expenditure (low)
I started from current expenditure, took off what I knew would stop in retirement and then guesstimated for food etc as at the moment all of our children are at home. Lockdown showed how little was needed as a bare minimum. I utilised a suggestion to split expenditure into various levels - basic, basic+ and ideal. I am continually tweaking the process as I read about more ideas on here. I’m looking to preserve capital so will just take natural income which will fluctuate however I know I’ll have some funds for holidays etc and will adjust accordingly.
We’re aiming for £18-20k as the base and then up £20k extra (long hols when/whilst we can). Another reason for tweaking plans is that expenditure will hopefully drop after 75-80(?).

When you have your figure you can start to look at how much you need to have saved to produce that, how much the SP might be, when you want to retire (as you’ll need more to fund gap between early retirement and SPA). Your ‘fund’ could be created by pension pots, ISA’s, downsizing etc. Ideally your OH needs a pension pot so she can utilise the full personal allowance. It is difficult as rules (pension, tax etc) change so plan, review, adjust and you’ll be in a better position than most.

Glad you've found my thread of interest.

Thanks for the recommendation.