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When I was 23 I made a terrible mistake. I roped myself into a dreadful car finance deal that cost me £5,000.

How big does a pension need to be? That is the question, or versions of, that I am asked most frequently. I have worked in financial services for 17 years now. What I have learnt over that time and, related specifically to retirement, are two things.

Last month I hired a man to replace all the guttering and some lead flashing outside my house. It cost £3,176....