[smudgie]

4 and a half days would make for a better life.
Join a pension scheme and try and save a bit for retirement. Not easy when you are paying rent/ mortgage etc and bringing up kids, but every bit helps.

Thanks to the Tories, your private pension is protected now, 100% if you are already getting it ( up to a really high cap) , 90% if it goes belly up while you are still under pension age and working.