My DD said "I can't wait to retire, all that free time and a pension to boot" Huh! My pension is about 1/10 of their income (guessing, might be even less) and they don't have the aches and pains, middle(!) aged spread, need to go to the loo in the middle of the night, thinning hair, sore feet, failing memory (have I said that?) and the inestimable benefit of beng totally invisible in shops and restaurants. Not bitter, you understand 
Oh I forgot - I have a BUS PASS - so that's all right then!
PS Mishap you paid for that pension, remember?