Good post, you are not alone in your background. I have met a good few along the way that grew up on council estates or had outside toilets as kids. One advantage we have, as I discussed Thomas Cook going down last year with a colleague of a similar background, is that having been poor in the past, the adjustment back to a smaller income is fairly straightforward mentally. Like you, I have a banger on the drive, no mortgage, the kids went to state school (and Russell Group Uni's) and enough modest toys to keep me happy. I wish you all the best for your next job. Best bit of advice for the future, when you have a Captains salary, only have a First Officers outgoings and a years salary in the bank.