my plan is to save hard as I have been doing. I too am 51 and 30 years into the job
back up plan if need be is to downsize , I live in a four bed detached and hardly use half the house as it is.
I would like to keep working past state pension age if I am able to, but this would be just 8 to 12 hours a week , just doing the cream.
I would then sell the rest of my work.
If my health fails , then it would be the back up plan.
fortunately, neither me or my partner are materialistic, and both enjoy the simple things in life . so not having flashy cars and expensive holidays wont be missed