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@proudpa2 Critical illness pays out a lump sum to me if I get cancer or have a heart attack etc. it’s designed to lessen the financial impact of the disruption caused by such an event. Life covers if you die up to a certain age but income protection covers that state where you don’t die, but...

@proudpa2 £1110 (26.2%) of your monthly income makes up the savings/buffer/fun money. I think you have plenty of wiggle room to handle most things. You have a large emergency fund, I presume a decent pension and you have illness/life cover. The numbers add up, and I tend to think that if you...