Mum, 44, on how she’s planning to retire at 51 – and avoiding ‘goalposts moving’

After her husband was involved in a motorcycle accident, she knew she had to get organised as he was the bread winner.

She was determined to make sure that she would be okay if something happened to him.

Gwen added: “I saved like crazy and cleared the mortgage.

“We have a slush fund in case anything does go wrong such as the boiler, the roof and things like that.

“But obviously I feel like we need something on top. They take the money away from me for five or 10 years and then I can access it then and it’s almost like a goal.