Progress not Perfection

PennysIntoPounds

Oh hi Mrs 'not shedloads' finishing her mortgage a year and a quarter early, get in 🥂

If you've had enough of work, but want to get out of the house regularly, and don't want an argument every time you do, what are your plausible options?
If stress from Mr SA wasn't an issue, how would you ideally view your time left at work and retirement, and what of that might you be able to put in place given reality?

I'm am so chuffed for you that your gaff is now entirely yours and that you're now on the home stretch to have the difficult choices of retiring, blimmin good for you 😊✨️

enthusiasticsaver

Congratulations on being mortgage free.  Not sure how old you are but I get my state pension at 66 which is next month.  They send you a letter to claim it 3 months beforehand. If you aren't 66 until the next tax year I think that delays the state retirement date.  My friend who is 66 in May so just three months younger than me has to wait until she is 66 and 4 months before she can claim her pension. Deferring it will increase the amount and presumably your occupational pension as well.  You need to look at the tax implications of when you retire and draw on the pensions. 

I am sure you will do what is right for you and hope you set a plan in motion to get you some much needed respite and don't be sucked into Mr SA hijacking your time.  Even those of us who do not have the caring responsibilities you do often need space from their partners after retirement.  Both DH and I have separate hobbies but also stuff and travel we do together.  I know some who after retirement do everything together but we both need our space and independence.