"You need to think about it, not just before you retire, but many years before."

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An appeal is underway to raise funds to mount a legal challenge against the way the government handled changes to women's state pensions. Campaigners say thousands have been plunged into poverty because not enough notice was given before retirement age was increased by five years. BBC Essex's Sonia Watson spoke to Debbie Dalton, Frances Neil who is the WASPI Essex coordinator and Dan Woodruff from Woodruff Financial Planning.