A retirement guide works out how big your pension pot needs to be if you want to stop working at 45, 50, 55 or 60, and the numbers swell the earlier you quit. It opens on a familiar daydream: a life of Saturdays, more time with family and friends, fewer hours spent at a desk. Each exit age is then matched with a savings figure readers can measure their own fund against. The takeaway is that early retirement is less about luck than about knowing the target and saving hard towards it.