haha, three cheers to that - financial independence is the dream.

I tend to be very frugal, but you can only save so much money by being cheap (and a lot of the strategies take up your time rather than your money, and you also only have so much time).

And thank you, that is very kind. I think we'll be OK - just in a stressful period with a lot of uncertainty, but objectively we are very privileged and I don't really feel I have room to complain.