Well, DH is retired and we don't draw down on any of our investments, don't need to.
We have no mortgage and we are boring
We drive 2 cars and have a nice house in a pleasant area. Downsizing from our previous home meant the 4 kids have a "Pot 'o Cash" to use to get themselves on the housing ladder ( only the 2 dds have done this so far, the two DS rent and of course Tom is handicapped ) The cash is only available for use that way. For example DS wasn't able to use any to pay for his wedding for example through we did contribute to that cos , hey, we are parents and we love our kids . The boys seem to like the idea that they know its there and can't be touched.
Talking to DH one weekend when I was envious of a NICE motorhome ......he pointed out it was our choice to do what we've done, he is right of course.
" Sucks to be you, Kids !!!! but we have a GREAT 75k Motorhome !!!! ". So that's only a fantasy now
DH has 2 great private pensions and get the statutory old age pension..well, he has worked for 50 years !!!! I will get the statutory OAP and I have a private one that will yield me a MAAAHOOSIVE £3K a year extra. Meh.
All the kids have set up private pensions before they were 25.
When DH gets older we'll downsize again to a flat.