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Love your posts Dex. You think well and are a total individual. I like to do my own thinking too and am skeptical about most things that are a given to most others.

$75k will have you living really well once you have no mortgage and don't run a car every day and buy lunches n stuff We only need $40k between us for a comfortable retirement for now. Which is pretty easy and we just travel cheaply and work a bit when we're home again. Gets boring doing...