Thank you everyone for all your responses.
It has been very interesting to read your replies and I appreciate people taking the time to put thoughts down.
In true PPrune tradition, 99% superb replies and two posts making assumptions about the posters motives/personality.
I don't want to get into a tit for tat, and of course you are entitled to your opinion, but it is precisely because I don't feel I am doing something worthwhile that I asked for advice!
I am fortunate to be in this position, but that doesn't change the fact that I feel I should be doing something to help people, or do something more, that was after all, the point of the post, it wasn't about me being selfish, quite the opposite.
I became a pilot because I LOVED flying, I loved it, talked about it all day long with friends, bored the family with it, you know what I mean :-)
I certainly didn't get into it for the money!
You must be pulling my leg
To those who took time to offer solutions and kindly offered for me to pm them, thank you and I will be in touch soon.
God bless PPrune.