I'm with you on this Ninthace. I took the government's Pension Wise offer and spent a very valuable 90mins with a completely unbiased professional. Rather than become "yesterday's man" I packed it in but not before re-hashing some old qualifications including a HGV licence. Since banging out I've done the sum total of c**k all but have never been so busy doing the things I want to do, including nine holidays in less than three years All this fun with no annual appraisals, no H&S assessments, no staff and minimal exposure to HMRC. Unless you've overstretched yourself why would you carry on in harness? Give it up and let the next guy in line have a go.