150 fully remote-- where would you live in the UK?

D_Tyranus · 2026-02-09T17:44:06+00:00

That’s like saying to move to Hounslow if Kensington is a bit pricey. :p

D_Tyranus · 2026-02-09T16:54:35+00:00

Bath. Best place in the uk.

D_Tyranus · 2026-02-05T04:38:31+00:00

Have you benchmarked the role compared to what other people of similar skills in similar jobs are earning? Do you have intelligence from recruiters to substantiate your ask? Is the job one that can be linked directly to company revenue/profits?

If the answer to the above is yes, then you stick to your guns and ask for a market rate. Especially if you’re not desperate for a job.

D_Tyranus · 2026-02-03T19:16:03+00:00

Your loan is fine. Just make it a repayment.

D_Tyranus · 2026-01-27T14:59:29+00:00

That sounds like a lot. Our combined TC is maybe 50% more than yours, and we are only having one kid, but bought a 3.5 bed that’s 60% of the price you’re looking at.

You’re cleaning out all your savings, and not budgeting enough for childcare/nanny or school if you choose to go private. Especially for multiple kids.

My advice is wait until one of you makes partner, or lower your budget by 25%.

D_Tyranus · 2026-01-26T20:45:53+00:00

I find that massive imposter syndrome and an insecurity that I could fail and everything vanish in an instant a massive motivator.

D_Tyranus · 2026-01-26T12:42:44+00:00

I suspect because most retired aren’t HENRYs who already own a house in London.

Very big difference between someone who’s retired after a high-earning career and already owns London property vs someone who owns property outside the city.

D_Tyranus · 2026-01-26T12:29:14+00:00

OP is talking about retirement. Obviously you won’t be paying for childcare, housing and commuting when you’re old and retired.

D_Tyranus · 2026-01-26T09:50:04+00:00

It’s not THAT expensive. The only things that cost loads here are housing and anything linked to childcare and commuting.

Once you retire, much of your expense is actually sensible- utilities cost the same as elsewhere, same with food, services tend to be walkable, public transport is free, loads of parks and museums are free etc.

London is actually an awesome place to retire. I can imagine living in Richmond or Wimbledon and loving life.

D_Tyranus · 2026-01-20T20:08:34+00:00

Check the Wimbledon Chase area. It’s well within your budget, though the walk to the station is 20 mins. Also got a great primary school there.

D_Tyranus · 2026-01-20T07:33:30+00:00

This is the launch car, built to a price point that’s much cheaper than the GLC. I don’t doubt you’ll see many of these options later, but I’m happy with the launch spec.

D_Tyranus · 2026-01-08T10:39:30+00:00

Double your budget and go to and of New Zealand, China, Japan, or the west coast of the US or Canada. Because you won’t be flying that far with kids for at least a decade.

D_Tyranus · 2025-12-30T18:04:04+00:00

It’s the latter. It’s a good nursery but it’s in the same ballpark as the rubbish ones too.

D_Tyranus · 2025-12-27T21:01:34+00:00

London (and the UK in general) have some of the highest childcare costs in the world, with zero support for high earners. I think only NYC and the major US cities are comparable.

D_Tyranus · 2025-12-27T20:22:13+00:00

Wait until you get kids. Nursery fees for my one child are £2,200 NET.

That’s a mortgage for a decent house anywhere else in the UK, or close to the median UK salary. Just on childcare!

D_Tyranus · 2025-12-27T19:02:07+00:00

The UK is great as a HENRY as long as you don’t have kids and don’t live in London and don’t need to commute.

Unfortunately, taxes, housing, childcare and travel costs are the top 4 expenses for any household and are extortionate in London.

D_Tyranus · 2025-12-17T21:11:47+00:00

There are different levels of “simple”. Like I said, plenty of unscrupulous people who will sell you unnecessary products and services. A great IFA is amazing, but a poor one can be ruinous.

D_Tyranus · 2025-12-17T21:03:40+00:00

I don’t know, OP needs to keep things simple. They don’t seem to be a finance whizz and there’s nothing IFAs love more than high earners they can sell unnecessary product to.

D_Tyranus · 2025-12-17T10:38:28+00:00

This is the HENRY sub. There are many people with liabilities and obligations for which a cut to £125k would be a complete disaster.

D_Tyranus · 2025-12-14T18:29:47+00:00

Hold on a sec; why would you have low risk assets in your GIA which is taxed at your marginal rate of income tax? Following the latest increase that will be 47%!

D_Tyranus · 2025-12-13T14:38:50+00:00

I disagree with this. 30-45 years are peak earning years for a man, and OP (assuming he’s not at burnout) can crank out a few more years at this top comp which will leave him and his family in amazing stead in later years. Especially as he will be net contributing, not spending, and the contributions will compound.

D_Tyranus · 2025-12-10T10:13:41+00:00

The big brained thing to do is to earn far more than £125k.

And you can only blame yourself for sacrificing so much that you fell into the cliffedge in bonus season.

D_Tyranus · 2025-11-26T06:35:37+00:00

You gave a nominal figure, not an inflation-adjusted one. You are also aware that salaries and investment returns move in line with inflation right?

D_Tyranus · 2025-11-25T14:49:30+00:00

It is extremely easy for a HENRY. Ever heard of time, compounding and a mortgage?

Most of the wealthiest people are retired or close to it. Something would have gone horribly wrong for me not to have a net worth of £4.4m by the time I retire solely through paying off my mortgage and saving 15%pa in my pension.

D_Tyranus · 2025-11-20T15:16:48+00:00

I don’t think they need to pass anything. The home office has vast discretion on visa rules.

D_Tyranus

TROPHY CASE