You say you can clear your mortgage in 9 years , is there any way that you could afford a bank loan to pay off the mortgage and then pay the bank loan in a much shorter time . Hope that makes sense. I know what I mean.
Then you could retire sooner.
Definitely don't move to a 1 bed flat . I know someone who did it and then spent the next 5 or 6 years in a tiny rabbit hole ( her words not mine ) and she suffered depression because of it and now they have ended up moving back into a 3bed bungalow at huge expense but much happier
Our Welfare State. Is it broken?
Medical Ailments (Oct '23) A-Z