A practical guide to knowing when you can afford to retire — and how to do it well

Retirement isn’t just a financial decision. It’s a life decision.

Retire on Purpose is a clear, practical guide for people approaching retirement who want confidence, not complexity. Written in plain English and grounded in real experience, it helps you understand what you have, what you’ll need, and how to make informed choices about the years ahead.

This is not about chasing the perfect plan — it’s about making sensible, realistic decisions that align your money with the life you want to live.

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About Retire on Purpose

For many people, the hardest question about retirement isn’t how to retire — it’s whether they actually can.

Over the past few decades, responsibility for retirement planning has shifted away from employers and governments and firmly onto individuals. Yet very few people have ever been taught how to assess their true financial position, plan realistically, or spend with confidence once work ends.

Retire on Purpose cuts through jargon and fear-driven advice to focus on what really matters. It offers practical frameworks, clear explanations, and realistic examples to help you think clearly about:

• Whether you can afford to retire

• How much you really need to live well

• The different phases of retirement and how spending changes over time

• Inflation, tax, pensions, and care costs

• Work, identity, health, and purpose beyond full-time employment

Rather than offering one-size-fits-all answers, this book helps you decide what “enough” looks like for you.

Because a good retirement doesn’t happen by accident — it happens on purpose.

Who the Book Is For

This book is for you if you:

• Are approaching retirement or already in it

• Own your home and have some pension or savings

• Want clarity rather than complexity

• Prefer calm, realistic thinking over financial hype

• Are considering slowing down rather than stopping abruptly

It is particularly suited to people navigating what I describe as “the Grey Zone” — the space between full-time work and full retirement.

What This Book Is (and Isn’t)

What it is:

• Practical, grounded, and experience-led

• Written in plain English

• Focused on both money and life

What it isn’t:

• Regulated financial advice

• A promise of early retirement for everyone

• A sales pitch for products or services

The aim is confidence, not optimisation.