Minus Side - 3 cars (need only 1, and 1 is held overseas), 1 income, large house even for my family of 5, enormous heating bills, 2 day childcare a week even though Mrs S is not working, cleaner 1 day a week, too heavy food bill.
Plus Side - good income & bonus's from an enjoyable job, healthy pension pot & some good savings, negligible mortgage, savings rate c50%.
I could cut back hard and retire in 5 years at 50, or bumble along quite happily and retire at 55.
Does anyone else like Mr MMM's philsophy & but apply the the rules more liberally than his hardcore readers - or am I going to have face punches applied?