Freddie, I agree with everything you said. We are signed up for Pip, and are not at all certain if we will make it. My career is a bit uncertain right now, and thus my income prospects. My husband is the practical one; he is in fact worried about retirement, and all I want to do is "seize the day".

If we cancel Pip, we'll still do something--we might go to Mexico for a few weeks, or we might go back to Turkey, or we might just have a romantic weekend at some nice hotel around home.

But I love FP, and keep wanting to go back!