The vaguest outlines of a plan are starting to come together.
The whole thing is quite nebulous, you understand. In many ways our situation has not substantially changed from the beginning of the year.
But taxes are done - and with taxes done, certain questions and thoughts start to arise. Such as if I cannot get a deduction for parts of my home loan, why am I paying them? Or more fundamentally, if I pay a certain amount of my income if I make over a certain amount of money, why am I striving to make more money?
This sort of thing is dangerous, you understand. Potentially revolutionary in one's own life.
No, we are not at the place that we could take a large hit to our income simply to avoid taxes (although having done my in-laws taxes, the number is much higher than I would have thought). But it is certainly a thing which can start to be looked at.
A house payment is the largest thing, of course, If I had that money back a year alone, let alone what we pay in other debt at the moment, where would we really be? Add ways to cut down on other parts of life - debt of course, but food and utilities come to mind - and we are talking about a very great change indeed.
We are not there. We are nowhere near there. But we are almost at an inflection point, if only we cna see it through.