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Thumbs up to that! :D Leo

Charlotte you are amazing and an inspiration to us all! Well done to you! Would love to hear your story? Leo

Ace I agree with you 100%. Even for people who have modest goals, I believe it still needs lots of action and more importantly as you pointed out "applied in the right direction". That point you made is the key of all keys! :D If your looking for a sunset and your running north, you aint...

Depends on the goals. Slow and steady for some ppl will not get them to their goals. Not by a long shot. Leo

Simple. The thought/reality of being forced to work 40-60 hours a week until I am 70, then retiring on peanuts petrifies me more than the thought of debt. Easy one. :D Leo