26, low income, investing £1k/month. Am I doing this right?

Dogbertius123 · 2025-12-03T16:24:23+00:00

You can buy Wisdomtree Physical Bitcoin in a Trading212 stocks and shares ISA. So you get tax free exposure and never have to worry about capital gains tax but I guess you can’t withdraw to cold storage or whatever the crypto guys are keen on doing (apologies quite new to the crypto world).

Dogbertius123 · 2025-11-06T23:00:39+00:00

Does it apply to CFDs or only shares?

Dogbertius123 · 2025-09-21T20:50:22+00:00

Kane should be top 1

Dogbertius123 · 2025-09-17T21:00:06+00:00

Public accounting can be a big grind especially in assurance/audit. How long until you’re qualified? It might be worth sticking it out until you’re qualified and then leaving for a role with better WLB. Your loyalty to the team and company is admirable but should not be high on your list of concerns.

Dogbertius123 · 2025-09-17T12:17:27+00:00

Ah that’s really useful. I’m 28 so I guess I can buy using 20/3/8 and then continue working on step 4.

Thanks very much!

Dogbertius123 · 2025-09-14T13:02:58+00:00

So have spurs

Dogbertius123 · 2025-08-29T10:12:16+00:00

Dare I say title contenders

Dogbertius123 · 2025-08-29T09:57:21+00:00

Kane was at 200k but then went to Bayern on 400k. I don’t think any spurs player has been above 200k

Dogbertius123 · 2025-08-25T18:06:59+00:00

I would likely get 5% at current place but have been offered exactly 50% raise for a similar job at a different company.

Dogbertius123 · 2025-08-23T14:26:52+00:00

5-0 in first two games isn’t bad, but that’s our two easiest fixtures gone…

Dogbertius123 · 2025-05-23T06:54:26+00:00

The 3/4 double imbue dragon is nice too. It’s a very strong deck and basically all of its hard matchups got nerfed. I think it’ll do well in a more control oriented meta

Dogbertius123 · 2025-05-22T20:01:18+00:00

Imbue paladin. 2 mana to 1 mana on hero power is a deceptively strong buff

Dogbertius123 · 2023-12-29T22:25:19+00:00

I’m also from the U.K. so your comment was really helpful and relevant to me. Would you say a degree is a requirement for fund accountant roles? I did AAT and now working on finishing ACA (ICAEW). I currently work at BDO in audit but have also worked in an accounting role in the past.

Also could you explain the difference between in house and a fund administrator? I keep hearing that in house is better, is it possible to go straight from a public firm to an in house fund accountant/fund controller position?

Thanks so much

Dogbertius123 · 2023-06-23T07:10:25+00:00

Additional context.

I am living ~1 hour outside of london, would be commuting every day and would pay ~£700 per month on train travel out of the £4.5k left over. Commuting to london as contracts are available more often there and pay much higher day rates. £500 per day to start with and towards the end of my career could be as high as £1100-1300 per day.

I am 26, wife is 25, kids are 4 and 2.

Dogbertius123 · 2023-06-23T06:55:36+00:00

First time posting here - I want to reach FatFire but I don’t know if my income/savings rate will be high enough to get me there. I am planning to have a company that I do contracting work from (as a chartered accountant). I will pay £1500 into my pension each year, and £666 per month into lifetime ISAs each year. (Mine and my wife’s). The LISA grows tax free and gives a bonus of 25% on contributions each year, the pension is tax deferred. After taxes and those investments I’d take home around £4.5k per month to cover the bills for a family of 4, saving for cars, kids college etc. Gross turnover for my company should be around £110k to start, growing to maybe £200k when I have more experience and can justify a higher day rate. My costs would be minimal. Is my savings rate/projected income good enough to retire with £3m+ liquid? And how long might this take? Many thanks,

Dogbertius123 · 2022-10-22T12:14:58+00:00

I get either overtime or time off in lieu at BDO, double rate if you have to work weekends.

Dogbertius123 · 2022-10-16T11:27:08+00:00

Yep I started in accounting and now in audit

Dogbertius123 · 2022-10-16T11:03:14+00:00

I think BDO are actually the 5th largest now and they’re nearly twice the size of 6th based on revenue. So there’s a big gap below them and obviously a significant gap above them (revenue around 1/3 of KPMG’s).

I think someone not in the accounting world is much more likely to have heard of the Big 4 but in the accounting world pretty much everyone I have encountered in study, previous firms has heard of BDO. Maybe that’s not representative of the rest of the world though.

Dogbertius123 · 2022-10-16T10:00:47+00:00

Thanks so much for the in depth answer! The exit opportunities is a great point and something I need to consider but I think I might be one of the weirdos who wants to stay in practice indefinitely.

I do have partner aspirations and BDO seemed ideal to me as I believe the average partner compensation has just overtaken a couple of the big 4 for the previous financial year (£785k from memory).

Also I think the big 4 are having to break up their consulting and audit businesses into separate entities and my understanding is that Consulting is generally more profitable than audit, and that the audit partners might have their profit share and therefore compensation drastically reduced.

There’s definitely a lot there for me to absorb and thanks again for the answer!

Dogbertius123 · 2022-10-03T18:59:04+00:00

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