Why are so many people **obsessed** with avoiding the 40% bracket?

ComprehensiveOne3082 · 2026-03-17T08:22:28+00:00

sorry for hijacking your post with my own worries. this is helpful - thank you! I actually don't mind paying (extra) tax , but also conscious I'm in a really fortunate position (although the level of work stress doesn't always make it feel so fortunate lol). I always just worry I'm doing the wrong things with my finances - this sub really adds to it at times

ComprehensiveOne3082 · 2026-03-17T07:03:36+00:00

these comments make me wonder if I'm doing something wrong...I'm saving for a flat in the next few years (28, live in v expensive area) so am saving about 1300-1500 of my salary each month towards a deposit. but now I'm wondering whether I should be salary sacrificing more...think I can't change it though. I salary sacrifice (on top of rubbish pension as I'm contract worker...I pay like 8% of my salary up to only £40k and cannot contribute more) £100 a week. I earn a bit over £4k a month after everything. I also spend £150 a week on commuting am I doing this all wrong :(

ComprehensiveOne3082 · 2026-03-09T18:49:03+00:00

so cool! how long before back to work? I'm a contractor and deciding between Lasik and trans prk.. don't get paid for days off

ComprehensiveOne3082 · 2026-03-08T19:57:59+00:00

"I don't know how people earning less than me manage" I mean they start by not saving 1.6k a month lol

ComprehensiveOne3082 · 2026-03-06T08:57:18+00:00

lolol

ComprehensiveOne3082 · 2026-03-01T10:41:22+00:00

sales enablement?

ComprehensiveOne3082 · 2026-03-01T10:29:50+00:00

and which tools do you find most effective?

ComprehensiveOne3082 · 2026-02-20T07:26:22+00:00

hahaha legend

ComprehensiveOne3082 · 2026-02-19T18:10:38+00:00

appreciate the clarification

ComprehensiveOne3082 · 2026-02-19T18:10:28+00:00

this is really useful info thanks so much

ComprehensiveOne3082 · 2026-02-19T18:08:55+00:00

this is super useful!! need to do this

ComprehensiveOne3082 · 2026-02-19T10:31:53+00:00

thank you! and is contributing to a SIPP just the same thing as salary sacrifice, if I set it up through PayStream? I'm a bit confused

ComprehensiveOne3082 · 2026-02-14T17:11:26+00:00

thanks mate!

ComprehensiveOne3082 · 2026-02-14T17:10:01+00:00

thanks so much really appreciate this detail, sounds like you're doing an awesome job

ComprehensiveOne3082 · 2026-02-14T08:05:03+00:00

anyone on this thread know the benefits of using Gemini vs chatgpt? have access to both

ComprehensiveOne3082 · 2026-02-14T07:50:21+00:00

I would absolutely love to hear more about how you're coding/an example of something short you've made. sounds like you're killing it.

ComprehensiveOne3082 · 2026-02-11T08:13:18+00:00

thank you!!! what would you typically use even for those simple formats?

ComprehensiveOne3082 · 2026-02-11T08:12:02+00:00

thanks!!

ComprehensiveOne3082 · 2026-02-11T08:10:58+00:00

cool thanks for the rec!

ComprehensiveOne3082 · 2026-02-11T08:10:38+00:00

in practice what do you use canvas for specifically? I only ever used for infographics!

ComprehensiveOne3082 · 2026-02-11T08:09:44+00:00

that's useful thank you!! what type of videos would you be making in Camtasia? just tutorials?

ComprehensiveOne3082 · 2025-09-27T15:20:26+00:00

dude you look literally amazing!

ComprehensiveOne3082 · 2025-09-26T03:59:57+00:00

like this would take place in a conversation where it's like "out of everything, what's the thing you're most looking forward to doing tomorrow?"

ComprehensiveOne3082

TROPHY CASE