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Actually, it tells me school and society trains us to be workers. Obviously very successfully.

I didn't say that. It's just something you have to work on. Developing interests, creating your own schedule, that sort of thing. It's easy to say I don't like my job and I just want to retire, but 'not doing what I do now' is not the same as 'what do I do if I didn't have to go to work'.

'Retiring' temporarily is one thing. Retiring 'forever', quite another. It's not just the financial side, which is hard enough if you're relatively young (the money has to last 50, 60 years and keep beating inflation). It actually takes a lot of effort to fill your day if you don't have the...

Well, yes. Have you ever had to tell a bank how much you paid for a property when you refinance? I haven't. They calc your serviceability and do a current market valuation.

I don't know about the rest of you but when I refinance I've never been asked what I purchased the property for.

Fair enough. At my age and stage of life, though, I'm not willing to take the risk.

I plan on living for longer than 2 years, though. My issue is whether LOE is viable long term. My opinion is that if you have enough to LOE long term, you also have enough to switch to LOR, and LOR is less risky than LOE because you're less dependent on bank lending rules. I'm not willing to...