Debt and lack of savings, in our thirties we had an overdraft facility of £10,000 and we lived in every single penny of it, and then somewhere overnight, we were hit with the sensible stick and we stopped spending got rid of all credit card debt, (kept the cards, dont use them) went to debit only.
We then moved North - South and ended up broke again, but with no debt of which to speak. Never had a spare shilling, but we never in debt.
Mortgage paid off
Both retired but with a huge buffer behind us.
Any sort of indebtednesses triggers every caution button in me.
It is hardwired.
I worry about mobility but I reckon I can go to a gym to sort that out, but only if you are fluid, in my head it all comes back to fluidity.
Sorry if this is boring. 😕