More and more of us leave full-time work early, by choice or necessity, and the gap between what we need to live comfortably and what we actually receive averages GBP 4,000 a year - over 25 years GBP 100,000. But there are ways of saving or making money that don't depend on a career. In this clear guide you will find the key steps to: maximising income - entitlements and private pensions - new rules; making the most of property - equity release, downsizing, rentals, home businesses etc; reducing outgoings concessions and insurance breaks; 9 out of 10 of us pay too much tax! Taking up allowances and tax-free schemes; getting the best returns - savings, guaranteed options and advisors; and thinking ahead, e.g. care schemes and inheritance.
Niki Chesworth, author of many personal finance books, contributes regularly to Telegraph Money and other national papers. Her down-to-earth style demystifies the complex world of finance.