“Have a plan. This should include details of when you want to stop working and how much income you are targeting to have to live off. Think of your state pension as a foundation and any provisions that you make over and above that are merely going to make life easier. Whilst there is no cast-iron guarantee that the state pension will even exist in years to come it does now, and you can only plan with what you know. For that reason, and many others, your plans should be kept under review.