Hello everyone. Been a long time lurker pondering over what go do with about 20 years left to retirement! Thanks to all posters for ideas and thought provokers. Any opinions on my ideas/plans would be very welcome (even if contrary!) Aim - certainly to go at 60 if not sooner (57-58). Aged - 38 so about 20-22 years to go until ideal retirement. No kids and reasonable mortgage. Wife is a teacher with similar age/TPS accrued. TPS Situation - have 9 years in NPA60 and 5 years in NPA68 - subject to McCloud adjustments Not sure on hitting 60 and taking NPA60 pension and leaving NPA68 until later? Or take all at NPA60 (or earlier if taking early) with relevant actuarial adjustments? Considering Additional Pension or Faster Accrual - many thanks to diddydave for comparisons posted recently as was likely to go for Faster Accrual but now seriously considering Additional Pension as slightly better. Ideally would like to pay over long time period but impacts of McCloud and revaluations a concern. Other plans: SIPP - started a SIPP 12 months ago with spare cash (£100-200 per month depending on other expenses!) My plan is to cover at least 2 years of retirement once hitting 58 in case of physical health/falling out of favour with school! Considering increasing amounts but would a LISA be better as no tax implications like a SIPP. LISA - considering starting one for govt bonus but no benefits to early retirement as only accessed at 60 - any benefits beyond free money at 60? Mortgage - making overpayments to be paid off by 55 to give options or early retirement (and to keep wife happy) Other savings - have 6+ months (20k) for emergencies/holidays (saving a lot this year!) Keep thinking of putting some into one of the pension/LISA options but keeping in savings for now unless convinced otherwise. Apologies for sounding like a spoilt brat/worry-some thing - lots of options and want to make he 'best' possible decision if such a thing exists. Only so much reading you can do and every month counts! Thanks for reading.