Thank you so so much all, reading all your advice does really bring it home to me. To answer some of your questions, I would have 75 points for 189. 80 for 190. My oldest children would have enough points in 2 years should they come. We wasn’t going to rent our home as the equity in our home would have been extremely useful for a deposit out in Oz. But all your replies really does make me think that we have a really comfortable life here and maybe I’m chasing something that will ultimately give us a more difficult life :-(. Thank you once again all x