(169) Am I behind on retirement savings at 60? Probably not as much as you think. In this UK retirement video, Arthur shows how to turn any pension, from the full new State Pension to a final salary or public-sector pension, into a pot you can compare like with like. You'll see where British household wealth really sits, how to run a simple break-even test on overpaying your mortgage versus paying into a pension, why the five years around retirement are the red zone, how a one to two year cash buffer helps, and how to set your own enough number so you can spend with confidence.

Timestamps:
00:00 The neighbour's conservatory trap
01:51 Pension pot equivalent explained
06:09 Where UK wealth really sits
09:08 Mortgage or pension first test
13:18 Retirement red zone cash buffer
16:41 Why you feel behind at 60
19:19 Five-step recap and your number

Hashtags: #retirementuk #ukpension #statepension #retirementplanning #pensionadvice

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