Dear Mui-mui
If you read through other thread from the last couple of months you will find that your questions have been answered.
The issue of lifestyle is subjective. It depends on factor such as whether you like to go out much, the type of restaurants you like, shopping habits, chosen car etc. Many things are expensive, but you can live relatively cheaply (rent not withstanding) should you so choose.
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"Good advice is always certain to be ignored, but that's no reason not to give it." Agatha Christie
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