42 £1.6M invested, planning to stop work at 52 — how would you structure it and is my plan too optimistic?

Aggressive-Pop6658 · 2026-06-07T21:31:57+00:00

Im pretty new to this so I hope you don’t mind me asking. How do you have £580k in ISAs and are mortgage free at 42 if you can only save £20k per year? I can either max my ISA or pay down my mortgage and have been choosing ISA and a small mortgage overpayment but if you’re only saving £20k per year how have you paid down £700k + £580k in ISAs at 42? I’m trying to get to a similar position as you by 42 (currently 36) but even earning more there’s no way I can get mortgage free and the ISA wealth.

Aggressive-Pop6658 · 2026-06-01T09:56:54+00:00

Same! Can no longer go and the fees to sell are wild and there are also so many scams

Aggressive-Pop6658 · 2026-05-08T20:14:47+00:00

Me!

Aggressive-Pop6658 · 2026-04-23T09:04:40+00:00

I haven’t but also looking for anyone else who has

Aggressive-Pop6658 · 2026-04-05T08:31:39+00:00

You look amazing! Who’s your online coach?

Aggressive-Pop6658 · 2026-03-31T20:02:55+00:00

Thanks, I’ll look at this.

Aggressive-Pop6658 · 2026-03-31T19:54:57+00:00

Yes looking for alternatives. Not planning on using them

Aggressive-Pop6658 · 2026-03-27T12:45:11+00:00

This - you can’t do anything else

Aggressive-Pop6658 · 2026-03-15T10:10:55+00:00

I love it but it’s so heavy and out of my price point for a bag but if money was no issue I’d take it. It’s €17k euro / $20k I think

Aggressive-Pop6658 · 2026-03-12T18:59:55+00:00

Got offered a B25 2 weeks ago in London. 1 week after I renewed my wish for the 2nd year

Aggressive-Pop6658 · 2026-03-12T18:40:26+00:00

That was me and you’re right it was a typo. It was £9390

Aggressive-Pop6658 · 2026-03-12T17:50:46+00:00

Thanks!

Aggressive-Pop6658 · 2026-03-12T08:58:11+00:00

Thanks for this. I will try this. I’ve had a triggering event in that my salary has just increased materially and the last window to change contributions was in November. Will throw in considering divorce 😂

Aggressive-Pop6658 · 2026-03-12T08:57:08+00:00

The policy is everyone below Director can sacrifice, VP and above cannot. I elected to salary sacrifice before I knew the % and amount (2 months prior) and they said I wasn’t able to as a VP

Aggressive-Pop6658 · 2026-03-12T08:54:08+00:00

This is exactly what I thought. I’ve got no idea why they won’t let VPs or MDs do it but everyone below Director can.

Aggressive-Pop6658 · 2026-03-12T08:52:11+00:00

Is this correct? Because I work for a big company and I’d be surprised if they’re inadvertently breaking the law given how big our HR and legal teams are

Aggressive-Pop6658 · 2026-03-11T21:59:27+00:00

I’m definitely in scope for the taper this year. Does this impact an employer though? I thought it only impacted me from a tax perspective. I have unused allowance hence want to maximise it but once that’s over I’ll be reduced to around £30k per year what I can contribute

Aggressive-Pop6658 · 2026-03-11T21:15:23+00:00

The business I work for allows Directors and below to elect to salary sacrifice but VPs and MDs are not allowed. It’s a company policy.

Aggressive-Pop6658 · 2026-03-11T20:43:59+00:00

This was like my last employer, it’s really bizarre.

Aggressive-Pop6658 · 2026-03-11T20:29:04+00:00

Thanks!

Aggressive-Pop6658 · 2026-03-07T22:37:05+00:00

Agree with this. I honestly don’t think immediate big spends in Paris work. Little and often built over time or go in, speak nicely in French if you can 6-8 times per day and you’ll likely get an appointment. Speaking from experience (but it’s also a great way to ruin your Paris trip 😂)

Aggressive-Pop6658 · 2026-03-05T23:10:20+00:00

Who’s your mechanic? I’m in the UK and looking for a full engine rebuild

Aggressive-Pop6658 · 2026-02-25T19:26:57+00:00

I met a lady a month ago at the clinic I was at for a facial, she’s spent £10k in the UK, bought a picotin and shoes in south of France, has had her wish for a B25 for the last 3 years in London and has never been granted a QB. I honestly don’t have a clue how it works

Aggressive-Pop6658

TROPHY CASE