I was lucky enough to retire with a pension at 53 (now58). I thought I'd done well until I was moored next to a couple in Almirimar who had left UK in 1986 on a 12 month sabatical and never gone back, they didn't have much money but a great life. Tradgically, I heard recently that the lady has since died - would have been more tradgic if they had worked all those years planning to set off and sail in their old age.