Thank god we paid the mortgage off

Watty1

Love the retirement chatter as it is something I've been thinking about a lot this year. I started to track my spending to see where the money went and what could be saved in retirement and what could go up. I want to say it was enlightening but it was also a bit depressing as I realised very little would be saved and rather more potentially spent. The retirement norm is clearly not to have 3 horses - but - I spend nowhere near the amount of money on clothes they budget for, and whilst I would love a 2 week holiday in the sun I'm not leaving my animals so that won't happen and my cars are always cheap and run until they cannot.

One thing I think MSE boards teach us is that our personal figure is way more important than the twaddle in the papers and knowing our personal figure is so much more relevant.