Congratulations for your effective net worth and for sure your hard work, critical thinking and thinking differently is playing an effective role in this journey.

And i hope and wish that you will going to retire before you want to and i want to wish more effective returns for you, because when we do hard work then we deserve effective returns because there are many sacrifices we do to strive.

And good to hear about your tiny mortgage and i hope that it will be cleared soon because it's better to stay away from the debt trap of banks. 🙂