John, 57, and Jenny Masters, 55, are keen salsa dancers. For the past eight years they've been kicking up their heels to the Latino beat at dance classes three times a week. Now they want to make sure they get their footwork right when it comes to retiring in five years' time.

The couple, who have been married for nearly 30 years, live in West Yorkshire with their two children, Susie, 26, and Michael, 24.