just got back so i cant add much to this just yet but wow thanks gang, so much intress, alll i can add is i dont spend as much here as many of you spend over there, so on that point my food bills and cost of living surely will be low, i too would want to tour so many places and enjoy what is out there, the figure i mentioned is what i will have coming in 5 years before i retire so no pension is included plus there will be a pot of saving just to use if we want,i will add more to this later but thanks to everyone so far