I’ve always said 60 would be my target to at the very least go part time, mortgage has 5 yrs left (I’m 52) and sounds morbid but it’s s fact of life Mrs BB and myself still have all our parents inheritance to come so we’ll be in a very comfortable position when the inevitable happens, we also have a ski apartment in Bulgaria which ain’t worth much and may be difficult to sell but at least it’s all paid for.
I’ve always been a bit canny though and have had pensions in every job I’ve worked in since 18 yrs of age .