Charlotte Baroukh on Instagram: "Retirement at 74. Average life expectancy: 78. So you work your whole life, pay tax every step of the way… and what do you get? Four years of “freedom” if you’re lucky. The system is moving the goalposts, and frozen thresholds mean you’re already paying more tax without even realising. That’s why it’s so important to take control where you can, starting with your self-assessment: ✔️ Claim the reliefs you’re entitled to (pension contributions, allowable expenses,