Retirement (disability) strategy

[Guest guest]

HI Joe

I find myself in a very similar position to yours. For me, I realised 5

years ago that I would no way be able to make normal retirement age. This

was because my existing symptoms were made worse (and some new symptoms

added) after a fairly serious car accident. I'm also 39, divorced, no kids.

I chose to focus on owning my house - this was a piece of security

(literally and emotionally) which was / is really important to me. I

finally paid it off last year

Now I'm in a strange position. Like you, working full time is becoming

increasingly hard. This is despite a very understanding employer (I work

for a pharmaceutical company and they are really supportive wrt employee

health). I just had two months sick leave, and so I KNOW I would feel

better if I cut the hours in my contract eg three days a week, with a

corresponding cut in pay. But then I worry about the financial implications

both now and later. I don't know what to do for the best, either

Lucy