Not everyone has the same circumstances.
I have retired and don’t have to work.
However I still have a mortgage that I choose to keep because my pension fund investments returns are far greater than the cost of the mortgage.
We are looking to move because we are rattling round in a house that is now too big.
In my head though I’m still a 30 year old, and still want to do things my 30 year old self would have done.


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