Luckily for me, our mortgages are already paid off (home and the holiday let), wife's endowment (which she kept on) matures in a few years, no borrowings, car and van owned outright, money in t'bank and some modest investments, so I think I'm roughly on-track, but two sons (one just about to start secondary school, one in his third year there) might end up being two uni spongers for a bit in a few years time, so my financial situation could get a bit iffy before I hit the target date :/ I just admire people who live their lives rather than the majority (myself included, I daresay) who seem to live to work to live. I already have too much stuff, though it's mostly good stuff, and what I lack most of all is time....