As shameful as it may resonate I can’t think of much that is irreplaceable. In fact I pride myself on having let go of about 90% of what I spent a lifetime acquiring – and having subsequently swapped it quite happily for something else. Once I resolved to retire I posited it wisest to down-size in a major way. As my late father frequently observed, “You can’t have money and things”. It is possible to assert that what I had was not worth keeping; but even if that were true – which I contend it is not – the remark doesn’t contaminate the thesis that there is always something else to fill the gap. And guess what, I found a substitute. No trouble.