What's your extra payment @Clive , is it a personal or company pension that you have ? I ask because I live on a company pension plus what I earn by buying and selling etc. When I get my state pension in 2024 my company pension will reduce pro rata, so I probably won't be getting anymore than I do now. For clarity, I took my company pension aged 51 on a reduced rate when they shut the factory and made us all redundant.