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Luckily he has an £83m fortune to fall back on. The rest of us need a plan.</p> <p>The three-time Grand Slam winner and double Olympic gold medal holder has suffered repeated injuries from decades in his high-intensity day job. Severe hip pain is now forcing him off the court.</p> <p>Elite sports players know years at the top will be few, so cram the good times with <a href="https://web.archive.org/web/20190128223011/https://www.telegraph.co.uk/sport/tennis/andymurray/11316929/Andy-Murray-poised-to-confirm-four-year-kit-deal-with-Under-Armour-worth-15m.html">lucrative sponsorship deals</a>, which reportedly netted Mr Murray £6m last year.</p> <p>Illness that means giving up work <a href="https://web.archive.org/web/20190128223011/https://www.telegraph.co.uk/pensions-retirement/financial-planning/retire-40-try-year-three-stage-plan/">much sooner than expected</a>, on an income drastically reduced or relinquished entirely, can strike at any time. 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