If Ems wants to work another 2 years in UK, why not set your goal at that with you both in agreement?

Now that's lots of time to gather all you need to know - and some more cash.

But I think even when you're ready, you will still be thinking, "have we enough cash?"

Enough cash? How much is enough? Obviously the more the better!

It also depends on what lifestyle you want to live.

Perhaps some come to Phils with the idea of wanting a much better lifestyle than they could have in UK, so perhaps they'll run out of cash much more quickly.

Me? Well I'm living a lower lifestyle than I was in UK. My choice, because I know that our project will provide for us, a good lifestyle not far away from that now. And also, our investment in the building will take away concerns of finding any cash for hospital bills etc. So this will bring peace of mind with it. Also I'm expecting it will provide cash for holidays - like going to Thailand, Hong Kong, etc and visiting UK - not to forget touring the Philippines.

Now if I hadn't invested my UK money, it would soon disappear in day to day living.

5 more years before my UK Government pension. I have no private pension.

I too, wondered if I would have enough, but I made my decision, and have no regrets.

Had I stayed in the UK - unable to decide - then time and opportunity would have passed me by, and I would rather not spend the rest of my life wondering what if, or I wish I had ... and oh it's too late now.

Even though from the 1st day visiting the British Embassy - and then all the rest up until now (1 year of stress from all this and our building project) - we never gave ourselves time to breathe.

But hey, even though we had this stress, it wasn't bad enough to affect my health. The same in UK maybe would have finished me off!

I love it here, Steve - best thing I ever did! Just be sure in your mind that it's really what you want. If it is, then don't put walls of doubt in front of you, we all only live once.