Across:

1. Life, 2. Penfold, 5. Bang, 8. Spreadsheet, 13. Drop, 15. Tax, 16. Golden, 18. Statement, 20. Money, 21. Future, 22. Time, 23. Frustration

Down:

1. Love, 2. Compound, 3. Gender, 4. Painful, 6. Auto-enrolment, 7. Uncertainty, 9. Eugene, 10. Forecast, 11. App, 14. Relief, 17. Retirement, 18. SIPP, 19. Annuity