We are all doing it wrong anyway, getting ourselves all mortgaged up to the hilt to pay it off, MAYBE around the time you die, if you live that long! A facebook friend of mine, someone I went to school with, neither her or her husband works, well he does deliveries for the chipper at weekends which Im sure is all declared, anyway, she has pictures up every week of the parties they were at or had the night before, a lot of them in their very well decorated houses. Yesterday, she put up a picture of them heading off to Portugal for a week without the kids. She was in NYC in December and was in Portugal at least twice last year too, with the whole (5 kids I think) family. You got to know the system!