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hi Land Lubber My Concern with that approach is that I know several people who ended up having the Retirement F....ed up by the GFC from one of world trips etc , to having to down size their PPOR to have more money to fund their retirement. Our plan is to have fully paid off properties in our...

I thought exactly the same wylie , but half way through a reply to china , i thought I had better things to do with my time ....;) Cliff

Depends on the audience . Enough is the what I say if I don't want to say , but not want offend . Cliff