It must be great to be in such a position to be able to swap and change but I do feel sorry for your missus.
When you get to my end of the life span you have three choices. Leave it for the kids, leave it for the government, or enjoy wasting some of what you have worked hard to accumulate. I've dealt with the first option, the second is to be avoided, so I am going to enjoy doing a bit of the third choice. Why not?
