It's knackered anyway. It's a shit plan. Glad you're starting to realise.
Your financially better off because you've made some sound investments by the sounds of it. That's no different to a lot of people. The shit part is expecting to live of 20% of your annual income. For most people, particularly low earners, that isn't sustainable.
I already do it and I love my lifestyle that’s the whole point mate. I never once said everyone could do it I simply said it wasn’t impossible which it isn’t.
You're right in them situations you will be better off financially. I remember when I got ran over by a bus and my first thought was 'I should never have had that lads holiday to Benidorm when I could have invested it into my retirement.
The point you don’t get is I have done and will continue to do both. I value experiences not material things that’s where I save money. Had plenty of lads holidays and will in the future
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