Perfect! I've been waiting for a report like this to come along which lays it out so clearly.
I'm in more or less the same situation as you @CFCol with my government service pension (military) making up the bulk of my total income. The residue is well below my total allowances (I have a non working Thai so I get an extra 60k.
I'd actually worked this out quite some time ago and very pleased that you have had confirmation of that.
Great report. Thanks a lot. I shall award myself an extra whisky tonight and sleep well.
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