The Ballast Point is a nice touch <| sep |> Triple Lock for the babyboomers , lifetimes of debt for the young . <| sep |> Thanks everyone for your feedback . I ' ve jumped in with both feet and I ' m following the YNAB method for just about everything . For now , still keeping our allowance accounts separate . In YNAB the money is considered spent once it ' s transferred out of the budget . <| sep |> Yup . We remember that and discussed it internally it was the basis for new rules we were writing until , in the middle of that , we ended up Switching subs . Your point isn ' t wrong , though . So I ' ve removed that post for posterity and locked the comments . <| sep |> In this case being older means that this is and always has been a core part of what the EU is all about . Now I know that in the UK the Eurosceptics like to go on about how in the referendum to join they were told that it was only a trade agreement , not about political integration . I don ' t know if that ' s true , if it is , however , that ' s on the British media and British politicians of the time . With the UK and the Eurosceptics it is weird that they ' ve been the ones pushing for the very thing they ' re complaining about . The UK was the major proponent of getting the Eastern European countries into the EU . Then they could have had a temporary restriction on FoM for the very reasons you ' ve mentioned , Germany did , the UK opted out . CETA and TTIP which government do you think was a major driver for those ? They ' re going ahead because we ' ve got a majority of conservative parties in the European parliament , and most of the government are headed by conservatives , and they generally like free trade agreements . They ' re also popular in Eastern Europe and not even madly unpopular in the rest of it , however much you or I would wish they were . The blackmail that was going on was what gave the UK the Thatcher rebate , and later the extra concessions or we leave strategy Cameron pursued , where he went so far as to veto decisions concerning the Eurozone that didn ' t even affect the UK just for the annoyance factor . This is just the EU no longer giving in to blackmail .