Pensions and paid off houses would be factors I would guess.

Now I just have to get over my dislike of the automated plastic computers all modern cars have become.

With the second kid on the eay we are facing a similar decision but I can’t say I have anything useful to add. I’m not super concerned about the money though since arguably its just part of building the life I want to live.

I literally couldn’t give two shits about some supposed moral obligation to society I may or may not have.

Neither FI nor RE yet.