Have you seen those adverts that say they can tell you how not be poor when you retire? Then you read the small print, and the trick is to have £250,000 to start with.
Every year for most of my adult life I've spent New Year's Eve saying: 'Well, I'm glad that's over, let's hope the next one is better.' And 365 days later, there I was again saying 'Well, that was shit, I'm glad it's over.'
I didn't do that this time. In 2014 I was unavoidably closer to 60 than 50, and I don't want to wish my life away any more.