This article shows the importance of understanding your financial independence age (the age at which you can choose to work or not as you have sufficient resources to meet your lifestyle expenditure needs) compared to an arbitrary "retirement" age suggested by society, parents, peer group etc.

Some suggested actions;

1) Review where you are now financially 

2) Consider what your current lifestyle costs and what your desirable lifestyle may cost

3) Work out how much you need (What's Your Number?) to fund your desired future lifestyle

4) Create a plan of action - e.g. I need to save £500pm for the next 15 years to reach my number or I need to reduce my current spending by £200pm etc.

5) Take the action

This is the basic process a good financial planner will work through with you to help you get to where you want to be.