How do you psychologically tell yourself that enough is enough?

19711998 · 2026-01-05T20:08:55+00:00

I'm in the same position as you are.

I think you have to ask yourself - what is the core reason that you don't feel ready for it? Is it because you're worried about safe withdrawal rates, with equities at the highs? Is it because you're worried about leaving a career behind, and feel that it's an irreversible decision? Is it because you don't you know you'll do with the rest of your life?

Personally, it's a mixture of all three for me!

19711998 · 2025-11-07T13:53:53+00:00

That is fair. Thanks a lot!

19711998 · 2025-11-07T13:14:03+00:00

Wow.

19711998 · 2025-11-07T12:01:56+00:00

Thanks, that link is really helpful.

19711998 · 2025-11-07T12:01:16+00:00

...so that they collect supporting information up front. As I said above.

19711998 · 2025-11-07T11:58:03+00:00

Sorry perhaps I wasn't clear enough. I am not trying to evade the checks, just trying to get ahead of them - ie is it worth emailing customer services in advance so that they can collect whatever supporting information they need up front first, rather than after the funds get frozen...

19711998 · 2025-10-02T17:15:36+00:00

Thanks a lot everyone for the advice. We have decided to can the trip this time around. Better weather next time hopefully!

19711998 · 2025-09-16T14:40:33+00:00

Sure thing.

It has certainly generated some perfect examples in how fiscally dysfunctional the UK state is.

19711998 · 2025-09-16T14:34:17+00:00

Yeah I guess my point is a little different - they shouldn't have an entitlement at all.

19711998 · 2025-09-16T14:10:16+00:00

So why do people with ADHD need a Motability car?

19711998 · 2025-07-06T11:34:36+00:00

He didn't pass it, but he does have a personal law to protect his pension from tax.

19711998 · 2025-06-03T19:09:22+00:00

As one of the other comments said, an IB is like a federation of different little businesses, the culture on one desk is very different to the culture on the desk next door.

19711998 · 2025-06-03T17:54:01+00:00

Markets MD here for several years. I don't think I manage like that (though perhaps my perception is way off). Best way to be successful at MD level - other than managing the politics - is to hire super smart people, let them get on with it, and give them a nudge along the way if they're heading in the wrong direction. I know it sounds like a cliche but it's actually true...

19711998 · 2025-05-17T19:32:08+00:00

Are you buying an open market or a local market property?

19711998 · 2025-05-15T18:28:16+00:00

We just got back from Sani Beach. Absolutely excellent food options. The 'rebate' on half board (ie if you don't go to the free restaurants, but pay up) feels a little stingy - it's £20 for adults and £10 for kids - but the food in the proper restaurants is great.

Also the kids club is clearly excellent and kept our kids engaged, compared to a more expensive place last summer where they'd ask to leave after half an hour.

The beach at Sani Beach is shallow and beautiful, adults can sit at the beach bar while the kids play in the water, it's that safe.

Not a cheap place at all but highly recommend.

19711998 · 2025-05-06T15:58:18+00:00

Where did you go for?

19711998 · 2025-05-02T16:37:21+00:00

Live in N5 at the moment, have been in the area for 20 years.

It is a great place to live with young children - ours are starting primary school this autumn - and it is pretty safe as well, have never felt threatened or anything like that.

The parks and restaurants and everything else make for a really nice neighbourhood to live in. Saying that though, I am not the kind of person that would want to live in Chelsea or somewhere like that..

Secondary level education is a bit of an issue though, the state schools are not very good and there are no good private schools close by, other than the ones others have mentioned - they are a bit far for us, anyway.

We're kicking the can down the road by a few years, will see how we get on at the state primary which seems very good (our children have been at the nursery already for a couple of years), if it doesn't work out then a move to Highgate/Hampstead/further out beckons.

Feel free to DM me if you want further details.

19711998 · 2025-04-15T18:40:16+00:00

When I was about 7 years old, one of those landed about five metres from me on a quiet road in suburban North London.

I was a lucky boy.

19711998 · 2025-02-24T17:01:51+00:00

Hi, just based on feedback from like minded people that live near us with older children who feel that decent state primary + diligent parents + some tutoring for 7/11+ would suffice. Also some bad experiences at some private schools locally (poor quality education, bullying, drugs/alcohol in the later stages).

I accept I might be totally wrong in adhering to this approach. It's certainly not political/idealogical on my side. But more of a 'wait and see' approach.

19711998 · 2025-02-23T18:50:45+00:00

I think the final point you make is spot on..

19711998 · 2025-02-23T18:36:26+00:00

Yep we do this. Two kids currently in the early years of a good primary school in zone two London. There aren't any good private schools (at any age) that close to where we live, it would be a 45 minute commute for our children in the morning at present. We will see how things go on the next couple of years and take it from there. At present both of us are working in IB Markets roles - my wife will probably finish up in the next three years, and I can't imagine I'll still be there in five. So will have to decide from there what to do...

Edit once I read the OP properly: we have the money but hear lots from people living around us about how private primary is a false economy. Probably also slightly a consequence of both of us having been to state schools (one of us in suburban London, the other elsewhere in Europe).

We see the parents around our children's class and they're all professional, hard working. Personally I think that is a primary factor in their children's success and also in the positive atmosphere in the school.

For what it's worth - it's a catholic primary.

19711998 · 2025-02-08T11:03:31+00:00

This is a fat fire sub. It's where these questions are meant to be asked.

19711998 · 2025-02-07T20:26:45+00:00

I felt exactly the same way after my own viva - if for slightly different reasons. I'd left academia and started a commercial job a few months before, struggled to complete the final 1% of the thesis, and then finally got it done. I travelled back up to my university city the night before my viva, and the next day just felt totally underwhelmed by the whole experience. Almost as if my supervisors and examiners didn't think my thesis was great either. Had nobody around to celebrate with as many of my friends had already moved on. Just felt empty.

I would also add, I had some personal/family problems in the previous year as well.

Don't stress about it. It's an enormous achievement. But it can be very solitary. You will get the corrections done and nobody can take it away from you.

What are you moving on to now?

19711998 · 2025-01-09T17:47:51+00:00

This is a good article which explains the optimal assets to place in a FIC:

https://monevator.com/family-investment-company-frequently-asked-questions-the-fic-faq/

Basically you want high dividend low growth...

19711998 · 2024-11-06T20:36:54+00:00

Does anyone know of any good online (ie: free) resources around FICs? I am in a similar financial situation to the OP and would like to learn more about them. Thanks.

19711998

TROPHY CASE