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'I hit 50 and didn't have a pension, so I decided to change things – now I'll be financially independent by 2026'

I’m part of a movement called Fire (Financial Independence Retire Early), which I joined in 2017. I hit my 50th birthday, realised I had no pension and that retirement age was coming quickly. I didn’t have any plan in place. I wasn’t taking care of my personal finances and I wasn’t thinking about the future at all. I suppose I went into panic stations.
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