My first plan of many was to be here till I reached 60, that I know will not happen, that's just over 4 years away.

The thing is, why do I need many, many thousands in the bank just to sit there for the "just in case"? So the plans can change. Yes, it would be nice to say let's go in 1 year's time, even let's go at xmas,

My new figure is set and I can reach that soon, but Ems has thrown another spanner in the works, can we go to the USA before we go to the Phils? Also Rome, Venice and on and on and on ...