Many of us dream of retiring early, or at least having the option to. Gareth, one of our viewers, retired at just 48. But what happens when the plan you've spent years building is finally put to the test?

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This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.