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WHAT do you expect or need in your current thinking.. ?

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I want and will expect to get my current level of living when I retire. I can't live without dining out, electronic gadgets, foreign travel etc

The only difference for me when I retire would be owning my own boat instead of chartering one with friends as I do currently. I don't intend to liveonboard permanently but I am hoping to do lots of long cruises so it will be semi-live nboard.

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