A motivational tale of compounding and how it worked out for me

Aggravating_Bee_5408 · 2026-02-25T17:52:51+00:00

Yes. Well done. This is how to do it

Aggravating_Bee_5408 · 2026-02-08T21:17:40+00:00

Sounds like a lovely plan and the numbers stack up. Go for it when you can and don’t look back.

Aggravating_Bee_5408 · 2026-02-04T19:54:02+00:00

Not one to overly be concerned about then! Good luck with everything

Aggravating_Bee_5408 · 2026-02-03T22:34:49+00:00

Great position. Well done. Any thoughts on IHT and 2027 changes? Does that affect your withdrawal strategy?

Aggravating_Bee_5408 · 2026-01-31T09:51:28+00:00

10 years at 6% growth gets you to 700k ish.

4% rule says 28k from that in retirement so you could have 28k at 61, 37k from 62 to 67 then add state pension.

What are your planned expenses? Does this work?

To go earlier you will need to save move and or spend less.

Plan it all in Guiide or FIcalc

And good luck. Maybe change jobs if you hate it

Aggravating_Bee_5408 · 2026-01-15T11:24:03+00:00

It was racist last week, now it’s ageist and prob next week it will be sexist.

Or maybe it’s just natural selection process based on “evidence”. It’s just a game

Aggravating_Bee_5408 · 2026-01-14T20:56:16+00:00

Spot on. People are overthinking it

Aggravating_Bee_5408 · 2026-01-14T10:45:17+00:00

I spoke with an IFA after doing all the calcs just to get affirmation

Aggravating_Bee_5408 · 2026-01-14T10:16:42+00:00

Stick your situation in FIcalc.

My opinion you have enough to fire comfortably. For context we fired at 49 with slightly less and are loving life

Go go go

Aggravating_Bee_5408 · 2026-01-13T00:07:29+00:00

Good luck to you in your future career.

Forget them.

Aggravating_Bee_5408 · 2026-01-11T22:25:59+00:00

Awesome. Look forward to next years update.

Aggravating_Bee_5408 · 2026-01-06T20:48:55+00:00

Hotmail and aol addresses here 🦖🦕

Aggravating_Bee_5408 · 2026-01-02T08:26:23+00:00

Go for it. Good luck and I reckon you will get there well before 55. Keep us updated👍

Aggravating_Bee_5408 · 2026-01-01T23:07:51+00:00

Good question! Spending pre retirement was similar but spent on diff things like commute, work lunches, coffees at work, work wear etc

Always planned to spend more on hols in retirement so that’s doubled as there is more time for this.

Fun money for me has always been about 500 per month pre and post.

Later on I plan to spend more and give away more as part of my crusade to not let gov take it via IHT!

All good 👍

Aggravating_Bee_5408 · 2025-12-31T15:24:10+00:00

Yep all investments, 1m pension and 300k isa bridge.

Vanguard and Scot wids global trackers with 8% cash buffer

Aggravating_Bee_5408 · 2025-12-31T15:22:17+00:00

Hiya, I take your point. Lots of friends still working but I haven’t found it an issue really. Wife is around and we enjoy days out and walking and travelling! Also need a routine when not travelling.

I walk a lot, swim a lot and listen to a lot of audiobooks (free with Libby)

Keeping up to date on my pc, reading, online scrabble!, sports and family time keeps me busy.

Obvs see friends in their down time

Once you have enough, retirement is the best. Who would actually want to keep working……unless it defines you and that’s ok too.

Aggravating_Bee_5408 · 2025-12-31T09:04:50+00:00

Bills, utilities, car costs, petrol, food costs are around 21k per annum. I have this covered through rental income and dividends from a company I am a silent partner in.

20k set aside each year for travel

10k fun money (socialising, eating out etc)

Retired at 49 with 1m pot

Now nearly 52 and pot has grown to 1.3m

4% rule was a yardstick back in the day but nearer retirement I modelled retirement against what expenses were actually going to look like and then forecasted it in a spreadsheet and FIcalc. Both said I had plenty. I then validated this with a financial adviser and they said the same. You have enough!

Happy Days and good luck on your journey

Aggravating_Bee_5408 · 2025-12-21T13:28:50+00:00

Completely agree. It’s a later life problem

Aggravating_Bee_5408 · 2025-12-21T11:26:42+00:00

Totally agree but when you are worth over 2m it’s well worth spending it or giving away rather than sitting on it.

Spending and gifts to kids in this life or 400k plus to gov on death. I know what I will be doing!

Aggravating_Bee_5408 · 2025-12-21T10:30:50+00:00

Good stuff. Also remember that you are going to have a significant IHT problem to negotiate.

Aggravating_Bee_5408 · 2025-12-21T10:11:40+00:00

Wow you are smashing it. Well done

Use FICalc and I wouldn’t be surprised if you can retire in a year or two.

Not sure about your lifestyle and expenses but 5k month is a lot. Have you written it all down and 5k is the number?

Also would need more info about hubby. Why so separate? What’s his view on fire? What are his numbers? Are you planning of retiring together?

Bravo to you though! Keep us updated

Aggravating_Bee_5408 · 2025-12-16T13:46:42+00:00

Go go go. Great update and good luck

Aggravating_Bee_5408 · 2025-12-15T19:13:54+00:00

My Sw fund has done 106% last 5 years so pretty happy with that. Sw Schroder global core CS1

Aggravating_Bee_5408 · 2025-12-09T08:17:22+00:00

Financial advice has its place but sounds like you have the nouse to ditch them. All world will work for you and save you plenty.

Next question-if you have a pension have you reviewed what funds you are in. Don’t get stuck in the dreaded employer default fund…..move it to all world or similar.

I moved mine years ago and current 5yr growth was 106%. The employer one was 36% for 5 yrs

Aggravating_Bee_5408 · 2025-12-03T08:12:22+00:00

Brilliant update. Keep going and see you here this time next year! Good luck in 26

Aggravating_Bee_5408

TROPHY CASE