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Hi everybody, Long time lurker who’s greatly benefited from the content on this wonderful site. Thank you to all of you for everything you have shared over the years. A bit about me, I turned 50 in March, British and live in the UK, DW ‘retired’ 10yrs ago when our daughter was born, have a...

Hi, I have just found this board and am stunned by the high quality of the posts and of the detailed knowledge of the members. I would like to pose a question and would be very grateful for the thoughts of the esteemed members of the board ! I dream of early retirement, I am 40 years of age...