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