@Tundra Tiger perhaps i shouldn't say this but the post reads you have a 17 year old daughter with your second wife and you divorced 14 years ago. Its all good a a friend was saying her father had 2 kids 6 months apart, she is from the second martiage that ended the first. Im sorry you went through divorce etc. I havent but ive seen friends go through it. as long as your happy now
Beside that as long as you are happy. Im not smart or wealthy but reducing debt was always important. It frees you up earlier. I know there are various models and systems. Paying a little more often or early can put a big dent in the debt. That can work for anyone pending loan terms.
If we have a little excess we can throw it at the loan reducing the principle and in turn reducing the loan term and interest paid. If you have to wait a week for something new you might decide you font need it. Its easy to overspend but if you throw that little extra on the loan and defer something it might free you up earlier in life.
If you choose to sacrifice something or go without it can pay dividends and you can always redraw or reborrow if you have a good credit history.
Africa at 53 is still not bad. Some will never get there but im an average person and its doable.
I would like to hunt dangerous game but i have other priorities and if things change i might be able to afford it one day.
If i had a terminal illness it might shift my thinking but otherwise im hoping to have something behind me at 50 and maybe be able to invest a little, do thst for 5 years and assess what do i want or do i try build for a comfortable retirement.
Maybe i will save for something bigger.
Anyone reading this who dreams of something special just consider that it is possible but we cant have everything. I was probably old before my time and may be old and cranky but in Australia we see the next generstion, my kids generation that think money grows on trees, maybe they think they are entitled they want instant gratification they deserve everything and will live now pay later. I see that going south for the majority if the majority of a generation live for today.
Tundra Tigrr and his wife turned things around, anyone can do it. You dont have to be a financial genius be patient determine want from need and work together. His Tigress msy be the brains behind the opetation but im sure he had to play his part or spend a little less to turn things around.
Its do-able.