<ul><li>The author, not shown, is planning to move away from her family to enjoy a lower cost of living.</li><li>The author regrets not investing in a pensions scheme offered to her earlier in life.</li><li>She was badly advised and started paying to a private pension at 40, which won't pay her enough to live on.</li><li>To have a comfortable retirement one needs an annual income of about $50K, which she won't get.</li><li>She has realized a smaller town would make more sense financially, but hesitated because of family.</li><li>She had to make a tough decision to move further away from her granddaughter.</li><li>She will now work a day a week, have more time for passions and be able to travel.</li><li>She advises young people to not leave their retirement to chance and to start a retirement plan.</li><li>She managed to work, study and raise children on her own.</li><li>People should not ignore the importance of financial education in relation to pensions.</li></ul>

I'm 67 and can't afford to retire. I'm moving away from my grandchild to work less and enjoy a lower cost of living.

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