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Most accountant's clients are mostly mums & dads with no/little investments. I could be mistaken here, but I believe that James is the only one (that I know of, at least) who only deals with investors.

Well, I haven't done the calculations, so I could be a little out with my estimate. I think we could live quite comfortably on around $50k between us as we don't have expensive needs/wants, the kids have left home and I am quite happy driving an older car. We don't do the restaurant thing all...