While I had a successful and reasonably lucrative working life in Telecommunications, due to the financial impact of my divorce and other factors outside my control, I approached retirement with modest wealth in terms of savings, property and pensions. I reached a point where, along with my partner, I wanted to live the dream and grab the moment! But recognised that without a reorganisation of my finances and some pretty drastic changes in my lifestyle, spending habits and thinking, this simply wouldn’t be possible.