45-65 hmm, different needs you say, I wonder where you get that idea from? Does or is something suppose to happen between those ages that I don't know about? Ya better let me know as I only have 2 years up my sleeve lol.
So what your suggesting, is to effectively eat your asset and as for leaving something for your kids, bugger them, I expect your suggesting?
So once you have eaten your 2 mill from the bank, are you suggesting you then eat your house and go and live in a caravan?
Not to mention, what your money buys today as against what it will buy you tomorrow, is changing at a rapid speed these days. Effectively, it's like rats chomping at your money.
