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According to Gallup (April 22nd, 2014), the top Financial worry for middle-aged people is Retirement. I am one of these people, at nearly 50yrs of age I have a small number of private pensions each one started and finished with the job I had at the time. Cumulatively they are not going to keep me in the house that I am currently living in or the lifestyle I enjoy. Despite saving 5% of my Income, the figures did not add up.