4. Pensions. Grasp the nettle and deal with the crisis rather than kicking the can down the road. Raise the retirement age to 70 tomorrow. For everyone including the police, the army and teachers; as they say, we’re all in this together. I know this is going to upset a lot of people. But they need to remember that their pensions were designed around a model where it was expected many of them to be dead by 70. Also, yes, having to work a bit longer sucks. But perhaps you could try explaining this to the 28-year old who stands no chance of retiring before 75, whose taxes will be funding many of today’s retirees’ pensions and whose own pension won’t be very generous.