The road is longer for some of us but still leads to the same destination. Take the path that fits you, have a ball on the walk and we shall both end up at the end.
That is the best thing I have read in the last year or so! Makes total sense.
Still wondering about the credits VS spending money, Is it worth it for a pay off sooner rather than later?
Btw, what is SP? I am wondering if this question is obv, or am I just being dense atm.