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  • Writer's pictureJoe Woodhouse

It's All Gonna End!

It’s all gonna end, and the sooner you realise this, the sooner you’ll do something about it.


I’m not talking about death (although that’s coming too), I’m talking about your potential earnings window.

Let’s say you’re 45 and you want to retire at 65, your earnings window is only 240 months.

You only have 240 pay days left. 240 opportunities to build a pot of cash that you will then hopefully live off for the next 30 years of your life. If you’ve got kids going to Uni or still need to buy your dream home, well, that needs adding in too. And then next month, it’s only 239, in a year it’s only 228 pay days left.   

Now, take a good hard look and ask yourself, honestly, are you doing enough? Are you investing enough to support yourself for 30 years or more? And if not what’s plan B?

Rely on the kids? Hope your parents die pretty soon and they have a couple of mil stashed away they never told you about? (something you shouldn't be doing: as I discussed here)

The Government won’t take care of you. Will there even be a state pension when you get to that age?   

Did you know that the UK has the lowest state pension of the developed world as a percentage of average salaries, and it’s only 29%. Flip that on its head; could you afford a 71% pay cut? If not you need to do something about it. 


Don’t put off to tomorrow what you can do today, because if you do, believe me, you’re gonna regret it.   

Thanks for reading,


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