Nil. Next month marks 4 years since my last paid employment, I have a comfortable income here, nothing extravagant but no debts, all good. My wife is in year 14 with her employer, another five years she qualifies for the company-funded pension but will likely continue there, possibly reduced hours as she enjoys the work and they're a good company to work for. 15% salary increase in January plus cash bonus and a paid trip to China. Mother-in-law pays daughter2's uni fees, didn't argue with that one. Could be worse.
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