The third way: Life in a retirement village
Many people imagine retirement villages to be sleepy, quiet places to relocate to in later years.
But estate agent Richard Kew of the Frost Partnership, and residents at Denham Garden Village, argue it is a place where life can start again.
Residents have the chance to learn new skills, enjoy regular nights out - and some have even met their new fiancées there.
Video journalist: Smitha Mundasad
14 May 2014