Q. After 21 years with my firm, I am being made redundant. Aged 46 with 3 children, aged 7, 9 and 13 years, I really don’t know what the future holds. The lump sum is € 87,000 and they said I can leave my pension there til I reach age 65. The job was non-skilled and at 46 I don’t think we can survive on this money and social welfare. Any advice ? Paul – Templeogue Co Dublin



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