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'Is the2nd car a luxury or real necessity?' Just listen to yourself. Then have a word with yourself. Sake! :rolleyes:

This. Absolutely. The best life stuff is all about the journey. Seen way too many friends and colleagues struck down way too soon by physical or mental issues. IMHO relying 100% on a long and happy retirement is like being a Catholic and betting the house on a crappy life leading to a really...

How much savings do you have ? Why would anyone even volunteer that information? But seeing as this is NSC and has been asked by some random poster , then I for one am powerless to resist. £23.58.