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change in approach to budgeting? As usual, some pretty unnecessarily judgemental comments from folks. Kudos to you for posting an honest query. You say you are within your spending limits, seems like there is not a clear, shared goal behind creating and following a budget. One idea might...

why stress over it? A lot of very sensible replies here, but also a lot of agonising over something pretty simple. If you have the money and it is something you want, why hesitate? We actually purchased our "second home" before we purchased our primary residence. It's just how it worked out...

It's your world You don't need the input of random strangers on the internet to justify your BTD It's your world and your choices. Have fun. (I don't wear the expensive watch I bought very often any more, but I love it just the same because it was a meaningful purchase. but that is just me)

Not really a forecasting issue We often frame this issue as a logical one with the answer pivoting on planning and forecasting. In all honesty, it's actually an emotional issue for most people who have achieved this level of wealth. "Bag lady syndrome" (at least that is what we call it) or...

Tax & non-dom I should have been more specific and said moving money "can" have tax consequences. If you are resident non-domiciled and opted to pay on the remittance basis, cash movements are taxed as income. Non-dom resident status does not impact NHS access. There are a lot of...

Brexit, health & travel Hi. Also a dual citizen and in the UK 12 years. I see you are going down the insurance route now, but there is benefit to considering UK residency depending on you specific scenario. As mentioned, a UK address needed to register with a GP. As a citizen, you can...

You will greatly reduce your travel hassle if you have a debit or credit card with chip and pin. Sometimes more than one as US cards can be difficult.

charitable giving accounts/plans I know paying for advice is not popular around here, but I do suggest that finding someone to advise on estate planning is a good idea at the point. Engaging with someone who works with people in the same range of your net worth as estate size is usually as...

UK visits Yes, this is a good program if you visit frequently, but you do need to know how to navigate the immigration area as not very obvious which queue/line to get into. Be aware you can also now use the automatic gates if your USA passport has a chip (and most should) - it is A LOT...

hope this helps Dual US/UK citizen here with property in the Midi. Not sure if at all helpful, but we use HSBC and the global dashboard is great to keep track of accounts across multiple countries. It has not been a problem that there isn't branch in our local area. One problem with French...