In reply to climber_medic:
Sounds good mate and sorry to hear about your friend. I think we all lose sight sometimes that the most important thing in life is people, well to me anyway.
Also, the big 40, life begins then! I did the same sort of thing when I reached 40. Had 5 years left in the Forces (just about to commission) then decided I didn't want to spend loads of time away from the other half, wanted to have babies and be a stay at home dad. Did all that and haven't regretted it.
Took a fair whack of money away each month from us but you just have to sort it out and crack on.
Hope it all goes well :0)