For us, we will rely on our house rental and various pensions. For sure we would like to go back much earlier than when I retire at 65, we will do all we can to do it but, unless we win the lotto jackpot, I cant see it happening any sooner. We are not sad about it, far from it, at least we are lucky enough to have options. Like you Englishman, we wont burn our bridges with the UK. We have children coming so, there needs will be considered. My sister left for Oz with her husband 6 years ago. They have regretted it every since, they are stuck there now.