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Zero. But I barely have a pot to piss in. This may change depending on how badly the van fails it's next MOT.

You might well end up dying debt free rather than enjoying some years of frugal retirement. I thought my father in law was mad drawing down his meagre pension at the first opportunity, but not long after he got cancer and currently he's not going to properly enjoy anything ever again, so in...

No debt but everything I own is falling apart.