To TheKabaka
Hi, I didn't read the post properly - the reference of course was to pension contributions being allowed only at the lower rate.
As we all know in this job timing is everything - and that's almost always down to luck. My view, for what it's worth, is take an early bath if you can afford it, and create a bit of space below you. However, I had my early bath forced on me, age 58, due to a dodgy ECG and it proved a real blessing. I've only just packed in working (age 71) and that's because I let my SFI licence lapse! And I enjoyed every minute, I mean it, despite the midnight slots and the occasional know all! There is still fun at work.