5 years and 1 month to go, I shall be 50. To cheer me up the other week I got a letter telling me my PEP/ISA thing is on track to pay of £39k of the remaining £44k, I will only rely on that on the last day, I cant be sure the stock market isn’t going to go up and down like a TdF mountain stage before then.
I did the overpaying thing for about 5 years when the going was good wages wise, £550 rather than £350 pm, since then redundancy and £10k drop in wages a year has knocked that back but as others have said if you have the extra sometimes its worth using it to live a little no give to a bank to site on, horses for courses I reckon.
We would love to do the downsizing thing and go cheaper and have a few quid to support the pension years.
I count myself very lucky to have bought at the bottom of a boom, wage stagnation and prices these days make it very difficult for younger folks, buying a house is everything but governments seem to have made it policy that you get on this mythical bloody ladder straight after birth.