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@liturgicalbaptistpuritan An excellent point, thank you!

@k3v1n55 Thanks for replying! Agreed about the credit card. I’m making regular, large payments. Now that I’m working full time, I’m gradually reducing all debt, hopefully clearing it by the end of the year. In the worst case scenario, I use the MA lump sum to pay it off. I work along side my...

My pound sign/entire keyboard is broken, so please assume all figures are GBP. I apologise for how brief this is. My keyboard is a pain in the ass. The context is complex, but please offer me your thoughts on this plan. I’m looking for potential holes and also advice on where to store 8, 000...