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for me cash in the bank ( 'savers' ) account  is mostly reserves for buying extra stocks/REITs  we still have inflation to resist going forward , my guess is that most of the price rises we have had are baked in , sure food and fuel MIGHT come down in time , but other out-goings are more liable to increase rather than decrease  , so that portfolio will need to grow along  with my probable income needs

i will be steering towards the greater self-sufficiency path

 educational times coming for the younger generations