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@daneenkareem life is about living as well... I would put 80% off the loan and then 20% on something fun you and your wife would like, Weekend away, decent coffee machine, Cheap weeks in europe Its a gift after all there should be some enjoyment as part of it.

@hendrix This is why people don’t invest in pensions… that’s a very complicated answer for “can I get my money back and put it where I want?”

@flyinflame14yyt You only live once if you have to think about that fact you might miss the money you more than likely won’t miss it… tomorrow is not guaranteed enjoy your health and family while you still have the chance!