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Well done! From my experience over a period of time by paying my mortgage and property prices going up it put me in a stronger position than when I used to pay rent but got nothing in return, the money just goes into a black hole

Sometimes there are very good reasons for taking on debt. I think the key is to try and use the money wisely and don't let the debt get out of control.

Thankyou

Not easy for sure. You really have to be determined to make a new life for yourself to do this. And fill it with a lot of other things, Otherwise retirement would be a long time to be bored

I won't move back. I have made my life here now. Easy to settle in eg; the govt here pays for people like me to learn the language etc. A lot speak english anyway. We have a little place in Spain I can always go to if I am missing the sun in winter. We are VERY north. I only miss 3 things...

I live in Estonia, about 20km west of Tallinn

Moved abroad a couple of years ago. Due to the much lower property prices I became mortgage free and retired at 59 with a home that a working class guy like me could only dream of in England. No debts at all and even have a little in the bank. Feel incredibly lucky! Just made some good decisions...