We love to moan about the weather, the council tax and rising energy costs. Worry about a crisis in the health service - and joke about getting away from the in-laws.
But when it comes to retirement what do most of us want to do? We just want to remain in Britain close to our family and friends.
Even if money were no object, then three-quarters of British adults aged 50 and over who took part in a Living under the Sun survey conducted by property consultancy King Sturge, said they were unlikely to consider retiring overseas.
The lure of sea-and-sand is attractive to many of us, however, and Spain emerges as the most popular overseas retirement destination as well as being our most popular holiday destination of the last decade, alongside France.
The King Sturge survey, which reflects British and German attitudes to retirement emigration, was conducted by researchers from Ipsos-MORI amongst 866 adults in the UK and 853 in Germany.
"We've joked for years about fighting each other for the best sun-beds on the beaches of the Spanish Costas. So it's hardly surprising that when it comes to living or holidaying under the sun, the survey has shown that the Germans and the British do enjoy similar preferences," said Chris Monk, partner in charge of the Birmingham office of King Sturge.
"In fact, Spain is the favourite retirement destination for both the British and the Germans and when it comes to an enjoyable retirement, then the top priorities for both of us are good health, social service provision and a safe environment."
Both the UK and Germany have ageing populations and while in Britain the 65-plus age group is forecast to increase from 18 per cent of the 2001 population of 58.8 million to 19.3 per cent in 2010, in Germany (one of the three most aged countries of the industrialised world) every second German will be older than 65 in the year 2050.
When it comes to the likeli-hood of retiring overseas, a similar proportion of British and Germans say they are certain they will not be living abroad.
But while two-thirds of Germans say they have a preference for living in their own country, close to family and friends, more than half of those who responded to the survey said they also had concerns about not being able to speak other languages.
"Not so with the Brits. They are less concerned - probably due to the dominance of English as an international language and the fact that the British may expect their neighbours to speak English," said Mr Monk.
However, only 22 per cent of those questioned in the UK believed that going overseas would be the ideal way of making the most of their retirement if money was no object - a figure that increased to 35 per cent in Germany, with respondents from both countries saying they looked forward to living somewhere "hot and sunny" and with a slower pace of life.
Germans are also far more inclined to want to mingle with their compatriots while living abroad - 57 per cent saying they would like to spend some of their time with their fellow-countrymen as opposed to just 42 per cent of the British.
Angus McIntosh, head of research at King Sturge, who compiled the report, said that because there was no law to compel people who moved within the EU to register, official statistics did not reflect the current situation with regard to emigration.
However, working on statistics compiled by embassies and other public bodies, it appeared that there were 800,000 Germans and British living either temporarily or permanently in the coastal provinces of Spain compared to the 2001 Census figure of 170,000 residing in the whole of the country.
And he added that if all those in Germany and the UK who had said they wanted to retire overseas did so, then we could expect another five million Germans and two million UK citizens to eventually live under the sun.
Mr McIntosh said that in Europe there were now "certain similarities" to the US marketplace, where over the last 40 years the "retirement communities" culture had attracted the 50-plus population.
"In some regions of the Mediterranean coast, the main buyers are already over 50 years old. In their first phase, they use their property during a few weeks or months, without changing residence.
But as living standards between south and north/central Europe are nearly similar, more and more people over 50 leave their native country on a permanent basis and start a new life under the Mediterranean sun," he added.