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Fair enough! And yes, that Financial Adviser sounds like they were complete *****. Perhaps our situations are a little different too, as when I say "put stuff into a spreadsheet and project", I'm really talking about stuff that is somewhat fixed (ie incoming rents, rate of repayments, CPI...

For us, it's by laying out the figures in spreadsheet/s and projecting them forward to see when (on paper) whatever specific milestone we are looking at, is achievable.