25. Q&A with guest John

This time we have our regular guest John and we are looking at questions posted in our Facebook group (see the community link below) covering a wide range of FIRE areas including:What are the trade-offs in retiring early and how important is it to understand tax?How do you deal with one partner having a much larger pension?Should you include the state pension in your planning and what if it needs topping up?What about house or pet sitting as a way to reduce holiday costs in retirement? ⁠⁠⁠⁠Support the show⁠⁠⁠⁠⁠ ⁠⁠⁠⁠the fire place community