Whether intentionally or not, more and more people cease full-time work early, often without having given much thought to what their future income will be and what kind of life it will pay for. Many have lost their pensions in failed company schemes, and there may be a yawning gap between people's needs and actual finances. This invaluable guide explains how finances change between middle and post-middle age, and explains how to write a ''road map'' to a wealthier future.

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