I would say your house is your asset....don't take out any shared equity loans.
Fingers crossed on your public pension but I wouldn't have any expectations. I would say forget retirement as something permanent, work on your health so you can keep 'working' to some extent.....though obviously not full time.
Yeah, I know....it's pretty grim.
That's the future generations of politicians spunked up the wall for us. They thought turning your towns into the third world was some kind of future.....As if the third world were going to be workaholics and form German type trade guilds or something.
Low quality and ideological elites.