I admit to being completely confused ♀️ I had planned to either retire or start a phased retirement August or maybe the December 2022, when I will be 63 years old. ( I had a more than 10% increase, so in April 2022 I will be out of the three years trap). My NPA is 60, I’m Final salary and am currently earning more than I ever have. I enjoy my job, but Covid has made me re-evaluate my lifestyle, working 12 hour days, the constant stressful situations to be dealt with etc. is not something I want to continue for much longer! Unfortunately my other half is likely to be made redundant soon and for his health I’d like to see him retire, however he has barely any pension and is a couple of years away from state pension. So I will need to still work for a couple of years until he is 66. I was late to teaching, so will only have a pension of around £13,000, then after three years my state pension too. I know I can live off my teachers and state pension at 66, in fact quite comfortably I think? My worry are the years in between! However I could use my lump sum to boost my teachers pension until I reach 66 ( although would have liked to keep that as a rainy day fund). I have a couple of questions, what will April 2022 mean to me, will I keep my final salary pension and then anything after goes in new scheme or do I lose Final salary and it all goes in to the new scheme? Does this mean I should retire before April 2022 to lock in my final salary pension or at least start Phased retirement? I have no mortgage but do have a small loan for a home improvement, that will be paid off in 2022. I could really do with some help please to make sense of it all and come up with a plan. So, what would you do? Appreciate any guidance you can give.