Can't do PMs. (a few ruined it for the rest of us. LOL) Each situation is different and you can read some of their threads.

As you can imagine their aren't too many here.

Sandi2 is one. Crazyville is another, so is MandyRwaw (although her story is a tad different)

I wouldn't try to think too much about the future especially that long. too many variable...even outside of your M.

Patience is bitter, but its fruit is sweet.
--Jean Jacques Rousseau.