I should say, that even though I said lieing on a beach I actually see retirement more of a chance to do the other things I like in life...like travelling or walking the dog.
I would actually like to start a little company where I walk other people's dogs and do a little gardening but they won't pay me enough money to live.

If you invest in retirement orientated stuff, isn't there an age limit at which you can touch the money.
I think I can only access my pension starting from 55 for example.

UM: Nothing wrong with the present but I am thinking about the future and the next 35 years sat in a office.