This is just another stage. I haven't yet gone through it so I leave it to wiser more experienced folk to guide you.
I do know this, you are changing Jim and W is too close to notice. These Jim loops are also creating problems detaching for you.
The fins can be a big thing too, if in future years there is extra cash then you could choose to put extra cash into a children's saving product for your children. My notes tell me this was W intention for the cash? Trust I have that correct.
Jim consider fixing your mortgage if fins are tight. I have and even though now I float over my lifetime I have always been glad to fix. You are savvy enough to know this though and don't need a weary V to remind you.
Now is the time for Jim to go GAL, live for today. Let W look after W and Jim look after Jim and children. My prayers are with you today ((((Jim and W))))
V
Freedom is just another word for nothing left to loose. V 64, WAW
