Sin Bin: Well done, you got it done, no debt (I'm proud) and held down the fundamentals of a family life. I don't know what New FO problem is questioning what you've done and in what timescale, there's no need for that kind of comment.
Well done, why is it necessary to get into debt for training? The optimum should be a debt free situation. Many seem to think we all have to be in the same boat, well that's just not the case. There was no need to post such sarcastic notes about SinBin.