MAIL ONLINE: How to stop working and start living! CELIA DODD reveals how to tackle the biggest life-change of all, that so many struggle with

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The key to making cliff-edge retirement work is preparation, says Chris Phillipson, professor of sociology and social gerontology at Manchester University.

‘The assumption that cliff-edge is bad is just that — an assumption,’ he says. ‘It may not be bad if you’re supported, or it may well be very bad if there is no support.’