Score

Can you afford to say no yet?

Pensions are like a foreign language to me

I have rough estimates but nothing confirmed

I've checked at some point but it's not current

I'm working because I still need the income

I'm working because stopping feels risky, even if I'm not sure why

I'm working because I genuinely enjoy the projects

It would create serious financial problems

It would be uncomfortable and I'd need to adjust

It would make little practical difference

I don't really know what "enough" looks like for me

I have a sense of it but I haven't properly tested it

I suspect I might already have enough but I haven't checked

Spread across several places with no clear picture

Mostly organised but I can't see how it all fits together

Reasonably structured with a rough overall picture

Everything is joined up and I can see the full picture clearly

It would be a serious problem fairly quickly

It would be difficult and I haven't really planned for it

I have some protection but I'm not certain it's enough

I have a clear plan and I'm confident I'd be covered

Very difficult - I couldn't really afford to

Slightly uncomfortable - I'd worry about the income

Probably manageable  I'd hesitate but I could

Completely comfortable - it wouldn't be a difficult decision

I have a clear strategy across all of them

I broadly understand how they support each other

I know what exists separately but not how they interact

I assume I still need to keep earning at this level for a while

I hope I might be able to slow down at some point

I suspect slowing down may already be more possible than I think

I'm starting to realise I probably have more choice than I've been assuming

It would require major adjustments I haven't planned for

It's probably workable with some planning

It's entirely manageable - I may already be closer than I think