« Reply #49 on: 25 March 2023, 12:09 »
Go for it!
I retired from full time work a few years ago. Set up a workshop at home and started tinkering with old classic Audis. Now there is a waiting list for my services. I can pick and choose what I do and when. Never been happier 
Agree; I joined the early retirees club around 8 years ago and I’ve never regretted it. Granted, I’m not as well off financially but I’m much happier and more contented with life than I was when working full time in a well paid job that could be pretty stressful at times.
It’s great having the flexibility to do what you want to do and when to do it - or not do it at all! 
Unfortunately I skipped the well paid job bit in the middle! Therefore the war chest is empty and kept empty by kids that earn more than me but still need large “loans” (those ones that’ll never get paid back!)
Worked all hours when the kids were small but now cut right back and taking it easy. Still, the business I work for has been taken over by a bunch of inept clueless capitalists who have turned huge profits into a rapidly sinking ship so maybe wishes might be granted in unexpected ways. I’d happily join the army of “fifty somethings” that refuse to return to proper paid work because we’ve had enough of sh!t employers, annoying colleagues and dreadful government.
Maybe an RS3 on finance could be the answer after all, if my job goes belly up I can always just hand it back…

Soooo, what’s the APR on an RS3 PCP? 😁
Anyway, messing about aside, and on the subject of PCP’s, after seeing the “in stock” R 20 Years up for sale I had a quick nose at the GMFV on it and it was something like just over £20k after 4 years. VWFS obviously don’t have a lot of faith in their flagship of flagships!

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‘23 8R, ‘20 8CS, ‘19 135iX, ‘19 TCR, ‘17 Ed40, ‘17 GTD, ‘15 7R, ‘13 GTI PP, ‘11 GTI, ‘09 GTI, ‘98 Ibiza Cupra, ‘05 GTI, ‘06 Polo GTI, ‘04 GT TDI, ‘05 Fabia vRS, ‘02 GTI T, ‘03 Ibiza TDI 130, ‘01 Leon 180, ‘89 mk2 16v, ‘99 Ibiza TDI, ‘96 VR6, ‘98 Ibiza TDI, ‘92 VR6, ‘88 mk2 8v, ‘92 Polo G40, ‘91 mk2 8v, ‘89 mk2 8v, 205 GTI 1.9, ‘83 mk1 GTI, ‘80 Scirocco GTI, plus some others I’ve forgotten