Here's more to worry about!
Will the Chancellor demolish pension tax breaks?
Chancellor George Osbourne may target top-rate tax relief and tax-free lump sum withdrawals in the Autumn Statement.
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But many pension experts reckon it is too delicate an issue to axe higher-rate relief and it will turn away a large swath of voters. They say that if Mr Osborne tinkers with anything on the pension front it will be tax-free lump sums.
Best get that gratuity in the bank fast!