Thanks Sarenco. Total GROSS income at the moment is €56K salary +€25k spouse + €52k ARF=€133k. This reduces to the ARF figure of €52K gross annually or €40k annually after tax if we jack in the work Our current annual expenditure would be about €70 k at the moment including mortgage repayments of roughly €4800 per anum and €16k per anum on college fees ,general support and accomodation for my two boys. One of them will be " off the payroll" hopefully in the summer of '24 , the other 3 more years left.