If you don't design your own life plan, chances are you'll fall into someone else's plan. And guess what they have planned for you? Not much.
What is your current wealth strategy? What's your plan? How are you intending to take care of yourself and your family when you retire? Are you relying on your state pension? If so, do you know exactly how little that is going to give you every month? Have you taken out a private pension? If so, did it survive the last financial crash? The financial world got upended in the last crisis. Have you made any plans to protect yourself if that happens again? Do you know how to make as much (if not more) money in a recession as you can make during a time of economic growth? Do you understand how derivatives work and how they can work for you? Do you trade the financial markets? Are you investing in property? Do you have a business?
If you're a little overwhelmed by our questions and your answer to the “what's your plan” question is “I buy lottery tickets every week and I always use the same numbers, so I'm really banking on a win at some point” (we kid you not, people actually say this), then there is something seriously wrong. Only you can decide upon the details, but you must have a plan as to how you are going to support yourself when you stop working.