fairly standard tips that I could find. Now let's look at a few ideas off the top of my head. The more money you can put into stocks, shares, savings, etc the better your twilight years will be. Partial Retirement Do you really need to retire once you hit 65? In fact, in the future, I'm sure many of us will be retiring until much later. Unless you're adamant that you want to spend the rest of your years tending the garden or sky diving it might be worth working a little longer. For some us, there are a number of incentives to keep us in the work place: social, financial and even simply for the love of the job. Start A Business I'm being serious. what is there to stop you from starting your own business? The average life expectancy in the UK is 85. If you retire at 65 you have another 20 years ahead of you. Instead of simply losing all the knowledge you've gained over your life why not give some of vast pot of experience back AND earn some money . It could even turn into a third or fourth career for you. Recover Your Lost Pensions Have you had jobs where you enrolled in a company pension scheme? How you left a previous employer without transferring your pension? scheme that you enrolled in? If you answered yes to one of both of those questions you might be able to recover those pensions. You might