I would rather have not had than had and lost a fortune as I appreciate what I have as this has not been a free ride. Struggling is what we do and the decisions we make are limited due to having fewer choices. I know when and if fortunes one day arrive they will be appreciated and not wasted like many tend to do. I need a holiday as well, but that wont be happening for a good few years yet. teaching our children the value of money is the biggest lesson we can teach them as just looking around it is obvious this has been neglected by our generations.