Whether it’s glorious holidays abroad, spending time with family, days on the golf course or leisurely lunches with friends, most of us have dreamt up a rosy picture of what our early years of retirement might look like.
Indeed, a record number of over-55s have called time on their careers early in the past few years, with close to 400,000 more than usual leaving the workplace, according to official figures.
Yet many who did retire early are now being forced