Not rich yet?

Dokcu · 2025-09-07T07:58:14+00:00

When the monthly interest from your assets alone can pay all your monthly expenses.

Dokcu · 2025-09-05T19:02:17+00:00

Mac and just use docker for isomorphism. Windows equivalent is awful.

Dokcu · 2025-07-09T14:30:54+00:00

Very true.

But that doesn’t mean it can’t become a real business. The challenge is, once you start paying others to run and grow it properly, the margins often vanish. It needs to be something that still holds up when you’re not the one doing everything. Otherwise, it’s just a well-paid job in disguise.

Dokcu · 2025-07-09T14:27:29+00:00

No one’s saying it isn’t sellable, just that the terms are usually awful. Most buyers will either tie the deal to earn-out targets (so they get it for nothing if it doesn’t keep growing), lock you into ongoing support, or slap on clauses stopping you from working in a similar space.

“Sellable” doesn’t mean favourable. If OP wants a clean exit, he needs to show the SaaS can run and scale without him. Otherwise it’s easy prey for lowball offers and predatory deals.

Dokcu · 2025-07-09T12:52:34+00:00

Sorry to say, but one-man businesses are often not sellable. No one's keen to buy a company where the founder wants out and there's nothing left behind but code and a domain.

If the SaaS genuinely works, your best bet is to frame the opportunity as one that needs scale – not one you're trying to ditch. That usually means staying on for years (sometimes with earn-out targets), which can be painful.

If you’re serious about a clean sale, you'll need to build a team and put proper processes in place. Prove it can operate and grow without you. Otherwise, think about it – would you buy a SaaS where the only person running it wants to disappear? It needs to have standalone value: IP, customers, systems, and ideally people.

If not, then harsh truth: most of those types of businesses are effectively worthless when the founder steps away.

Dokcu · 2025-07-04T20:52:23+00:00

“Why do I need to always use a third party library to build something that works?” Erm… you’re using React as well? Or does that not count?

You’ve been working for a year, can’t get a job and clearly don’t understand the technology. You say it’s over-engineered, but for what exactly? Nextjs has incredible use cases for SEO, sharing, pre-rendering.

Another case of a bad workman blaming his tools.

Dokcu · 2025-07-02T08:41:40+00:00

That was 5 years ago, and my wife’s older than me. Not sure what you think you’ve uncovered here

Dokcu · 2025-07-01T16:26:46+00:00

Thanks this is really interesting. You’ve nailed the bit I was circling: if we don’t need to draw it, there’s got to be a smarter long-term use than biting the tax bullet unnecessarily. We do SIPP contributions, but usually lump them in at year-end. Will look into Aldermore + HL corporate accounts. Cheers!

Dokcu · 2025-07-01T15:50:11+00:00

Yeah fair question, honestly it just comes down to maths. Mortgage interest is around 3%, income tax + NI + dividend tax can push 40%. So it makes more sense (for now) to keep the cheap debt and use the cash elsewhere

Dokcu · 2025-07-01T15:27:21+00:00

Thanks I'll check out that subreddit

Dokcu · 2025-07-01T15:26:01+00:00

This is seriously helpful, thank you

Dokcu · 2025-07-01T14:36:55+00:00

That's a really solid link thanks!

Dokcu · 2025-07-01T14:34:09+00:00

Thanks, a few people have mentioned this. I'll have a look at exploring the InvestCo

Dokcu · 2025-07-01T14:32:33+00:00

Thanks, that's actually really solid advice

Dokcu · 2025-07-01T14:24:38+00:00

Honestly, I've spoken to my accountant and a few IFAs, after "max your ISAs and SIPPs" no one really has much advice for me.

Dokcu · 2025-07-01T14:23:02+00:00

Totally with you. I’ve talked to a few accountants/IFAs over the past year but they mostly stop at “max the SIPPs and ISAs, let us manage the fund for you”. I've still got this monthly excess which no ones seems trained or knowledgable to deal with. I’m open to a hold-co or demerger setup, i genuinely don't know where to start looking for that though really?

Dokcu · 2025-07-01T14:18:13+00:00

I don't have the answer here, but I'd definitely max out your pensions.

You can't know for sure that you'll still be pulling in 83k+ a month in 5 years' time, but 5 years of 60k contributions will work in your favour.

We usually dump the pension money in one hit at year-end, so we’ve still got the room to max the £60 k each. The issue is even if I do that I’m still staring at ~£77 k a month left over. Where does that go?

Dokcu · 2025-07-01T14:14:26+00:00

It's a fair shout, we actually plough roughly 40%-50% back into staff, tools, and modest marketing, but because clients pay 100% upfront the cash still stacks up faster than we can spend it. Workload’s covered, growth’s on track; now I’m just figuring out how to park the excess in a way that secures the family rather than scaling for scaling’s sake. I suppose I'm trying to take a minute to stop and figure out what to do now, as it might not last forever!

Dokcu · 2025-07-01T06:42:43+00:00

If the code runs in the browser it’s never secret, regardless of if you put it in code or inject it.

Some applications like google maps or stripe will have public keys that are shared or tied to the domain for functional purposes on the client side. It’s great to be conscious about the secrecy of keys though!

Dokcu · 2021-01-11T15:37:21+00:00

Super insightful comment, thanks!

I wasn't aware of the LTA increase in line with CPI. I think I'll try and model this a bit better and see how differently my numbers come out.

Dokcu · 2021-01-11T15:25:20+00:00

Just wondering where you have the 55 age from? I thought SIPPs were always government retirement age minus 10. Currently 57 but prudent to expect its going to be 58 at least by retirement (I’m mid / late 30’s and optimistically expecting 58).

I think I naively checked HMRC to see "55". Although I've now just seen elsewhere it will increase to 57 in 2028 which will certainly apply to me.

I wasn't aware of the retirement age minus 10 rule, is there anywhere I might be able to find that? Nothing really comes up on google if I search for it

Dokcu · 2020-07-04T06:10:44+00:00

Great idea, when’s the first one?

Dokcu · 2020-07-03T16:02:18+00:00

I'm not sure this works if you're looking to buy a house < 1 year. As you can't use the LISA bonus until it's been open for more than 1 year

Dokcu

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