For one, this all started simply because we mentioned getting a personal loan.
Getting a loan does not equal spending like shitheads and being totally irresponsible. Sure, there are many things that we could still cut back on, but again, getting a loan does equal complete extravagance & financial ruin, because we can manage just fine & comfortably.
Also, there is no way I could "retire" at my age, even if financially able to. I'd feel so useless. I don't even know how to imagine a life without financial reward on a regular basis. That being said, I know there is a way to continue earning, but not being a slave to your 60's. And that's just smart career choices, like real estate for example. It's such a vast industry that a person would have to be pretty inept not to capitalize on some part of it for the long run, eventually having the industry work for you, thus rendering your life pretty much your own schedule. That's my goal. And since I have a vast amount of knowledge in various areas, I'm not worried about not being successful here. It is my calling & I feel confident about our future financially because I'm confident about real estate.
See what I mean? Us starting out here in Oz with a personal loan seriously is not ruining us. We are turning over new leaves here, I feel confident, happy, loving & smart. I feel like it took a little bit to get to this feeling, but it's working now. To us, a healthy relationship, healthy mind & happy life far outweigh the worries of a danged personal loan.
Love you, purrfriend.