Retirement is billed as something to look forward to – a time to relax, travel and do as you please after years of working hard. For many, especially homeowners with generous private pensions, it is just that, but with nearly two million pensioners living in relative poverty, it is far from a universal experience.

Rising life expectancy, increased care costs and shifting government policies – including speculation that the triple lock state pension is now unaffordable and that the pension age will rise to 70 – are forcing people to work longer.

So is Britain’s retirement dream over? Nigel Kendall, Callum Mason and Hamish McRae offer their perspective.

Almost 10 years ago, I walked out of my job in London that paid more than £3,500 per month after tax, and drove off to a new life i

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