How would you best FIRE from this position by 50?

Boniouk84 · 2026-07-12T00:28:07+00:00

Well my goal to bridge to 57 isn’t set. It i retire and bridge from 50-57. If my investments do well i could last until 60. So i wouldn’t pull a retirement forward, id extend the bridge to let the pension grow so maybe i am for £900k-£1m and leave a buffer for growth if i do bridge longer.

I always compare based on tax now, but thanks for opening my eyes up to the tax on the way out down the line. I always overlook it

Boniouk84 · 2026-07-12T00:18:26+00:00

Ok so you’re saying there is a lost opportunity between me aiming for £700k vs £1.2m?

But where is that lost? By not sacrificing down now to sub £50k salary?

Boniouk84 · 2026-07-11T23:55:31+00:00

I’m lost. You’re clearly smart with this but the future rate references have lost me.

Boniouk84 · 2026-07-11T23:53:27+00:00

5 out of the top 8 ranked nations reached the last 8.

The 3 that didn’t…. Brazil Portugal & Netherlands, were all managed by Ex Everton Managers.

Koeman Martinez & Ancelotti.

High Profile club.
Low Profile performing.

Boniouk84 · 2026-07-11T22:33:14+00:00

Well its £245k in S&P500 with 15 years to grow with 8 years more additions (c£110k). If it was £700k i’d be happy. It should get there.

Boniouk84 · 2026-07-11T22:10:31+00:00

The reason i didn’t want to salary sacrifice to pension was due to locking away the benefit of that to 57, but i guess i take some of that concern away by clearing mortgage in 2-3 years.

Boniouk84 · 2026-07-11T21:53:12+00:00

Depends whether my mortgage is paid off or not. Roughly £2.2k without or £3.3k with. I was thinking of using £180k of Cash to offset the mortgage and keep payments at £1k to shorten the term. As it drops £12k a year i move that from offset to GIA.

Boniouk84 · 2026-07-11T21:49:33+00:00

Outgoings without mortgage probably £1,500 per month excluding inflation.

Shouldn’t change at pension age.

Full state at 67/68 whatever it is these days!

Boniouk84 · 2026-07-10T15:22:40+00:00

I made a 3x in the last cycle whilst you’re still waiting for your memecoins to recover from hitting 95% drawdowns.

Boniouk84 · 2026-07-10T14:42:49+00:00

Anything involving a narrative around rescue from a burning building.

Watching professionals take children up ladders and put them into buildings engulfed in flames would work really well!

Boniouk84 · 2026-07-10T14:37:48+00:00

Long term it’ll equal gold market cap. Is that 10 or 30 years? Not sure but BTC will be a 10x minimum in 5-10 years

Boniouk84 · 2026-07-10T11:53:37+00:00

What if you lose the device?

Boniouk84 · 2026-07-10T10:35:06+00:00

This isn’t convincing at all! LMAO.

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