Now I'm retired I'm in a quite comfortable position, not as well off as working ,but OK. One thing I would advise though is , if your partner was a stay at home to look after the family (as was the case years ago) then they will not receive a full pension, if they weren't signing on or paying their own stamp,the most you can pay retrospectively is 6 years, you can get a pension forecast by writing to the DWP, also if their pension is low then you can transfer their Tax allowance to your own , I do this as getting taxed on my Pensions , but the allowance does help, which I return to my wife to make her pension better, so Im still getting taxed at 20% which is better than the 40% I was getting when working