A four-day week sounds like the appropriate solution to this problem. However, the biggest question is: Can I afford a 20% pay cut? Patrick Connolly from Chase de Vere, a British independent financial adviser, says: “People who reduce their working week will have less disposable income, so are potentially less able to consider saving and investments.” He also points out that a decrease in contributions to one’s pension has the effect of it taking longer until one has put enough money aside for one’s retirement.