You can buy to rent a 2nd property then use equity in that to get another and so on and when you retire you will have that income you’ve built up still coming in. Plus many other intrinsic assets you might be holding like cgt free gold, can be sold. I would never hold fiat long term it is only a medium of exchange imo. If only i’d known this in my 20’s. I wouldn’t of wasted my time putting away part of my wage then, The reality is now that wage is peanuts, in comparison to the wages now and the cost of living now.