Hello all, nice to meet you all in advance and glad to be part of a group like this. Looking forward to putting all this knowledge into motion. Essentially, I have marked this year as the year to wipe out all debt liabilities and obliterate the circling sharks. It all dates back to the 2008 housing market crash, buy-to-lets etc etc. I know we were not the only ones!! Armed with new knowledge and wanting to take ourselves into the private realm and rekindle our God-given sovereign rights, I look forward to this year with renewed optimism that there is light at the end of the tunnel and the little guy can emerge victorious!! 😄🙏 All the best, James and Stephanie.