### Clue: Trouble with heart or comfort in retirement? (3-5,6)
### Answer: HOT-WATER BOTTLE 
 ### Explanation: Definition: comfort in retirement
 [HOT WATER](trouble/a problematic situation) **plus**(with) BOTTLE(heart/courage, as in "don't lose heart when you're in hot water).
Defn: …/sleep, if the bed is cold or if you don't have a bed-mate.
An extension of the idea, to relieve body aches and pains: