Legally we only owe £7-9 billion to cover commitments we made in last pay round and pensions. The rest was May offering £32 billion for transition period. If EU do not remove backstop and give us a deal and we end up leaving with no deal on Oct 31st then we won't be buying an extended transition period. I also have a BA in Business Administration and have been Secretary and share holder to a sucessful business so not naive.
UK advised to stockpile food as Russian Attack fears grow
UK State Pension - Is it really enough?
Survey on British Women's Perspectives on Politics and Social Issues


. 
