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Pft, plan. Who plans these things! They just happen! My only plan for this year is to get as far into building a 4br house as possible, do whatever the bank says is best with the old house, and try not to get toooooo many kilos over 65 :)

We don't have ones that good here - so two average ones for me! Caveat being they are paid off, of course. I have rent on one property about $60pw short of covering two mortgages at the moment, but that is SO not retirement. If we keep our current house, later this year we'll be overall...