"I want to retire at 55." We hear it a lot. And it's achievable for more people than they think, but only if the planning starts well before 55. Early retirement isn't reserved for City bankers or lottery winners. It's the result of clear goals, disciplined saving, and, critically, understanding the rules that govern when and how you can access your money. First, the Good News on Pensions The minimum pension access age rises from 55 to 57 in April 2028. If you were born after