It was 10:30am on a Monday and Mike was draining his latte ready to go back to a job he didn’t like working in, for a boss who didn’t value him and Sue was heading back home where she was picking up some work as a VA

“Neil, 10 years ago we knew we had a great life before us, we were ready to take on the world, we had a plan that would see both of us retired by 50 sitting on a beach in the South of France reading books and drinking Rosé.”

“Life happened…