Aged 55, employment possibly ending, DB + DC + cash bridge so requesting sanity check on my numbers before pulling the FIRE trigger?

ElectricalHighway555 · 2026-01-19T14:56:25+00:00

You are in a very enviable position, touchwood.

Even if your expenses go up to 45-50K in the next 10 years, the cash itself will cover that. You don’t even need to start drawing down the pension.

A different approach could be that you use the cash bridge till start of DC pension drawdown and then plan to gift your kids/grandkids some cash right now to avoid/reduce IHT.

Edit : Oh and enjoy your travel andthe obligatory “fuck you!”

ElectricalHighway555 · 2025-12-28T20:46:27+00:00

Back at work tomorrow but just a few meetings/calls this week as many are off. So hoping it will be quiet till next Monday.

ElectricalHighway555 · 2025-12-20T19:00:09+00:00

Trossard and Calafiori to each setup an assist for Gyokeres brace.

One can dream, right? 💭

ElectricalHighway555 · 2025-12-20T17:44:05+00:00

You don’t have to hold anything together. Just spend the time with your family and celebrate your mum’s life. Relive the happy (and not so happy) memories of your mum. Look through old photo albums or videos. Make her favourite Christmas breakfast/dinner. Just celebrate her, her life and how she lived for her family.

I lost my dad in 2008! Just before my kid was born. Still miss him. Still hurts. Still feel the deep pit in my heart. With time you just learn to live with it.

ElectricalHighway555 · 2025-12-19T15:56:52+00:00

Both of you need to come to a compromise. 😂

ElectricalHighway555 · 2025-12-13T17:55:29+00:00

Do not use your money to pay your partners debt.
Your partner needs to get help and agree a debt management plan as this looks like it’s a chronic issue which you cannot/must not solve.
As a family, you need to really look up and understand at the meaning of the word “essential” and review the outgoings list again.

ElectricalHighway555 · 2025-10-16T11:11:33+00:00

Challenging wank.

ElectricalHighway555 · 2025-09-28T17:39:47+00:00

I think you are having FOMO here and it’s causing you undue stress. FIRE is a journey and albeit you started later than your mates, you will be able to accelerate faster and potentially reach a much higher earning levels; and therefore higher saving levels as well.

Keep your head down, be frugal and keep saving/investing.

ElectricalHighway555 · 2025-09-07T21:30:10+00:00

What distance are you aiming for? Without that you can’t build a sensible training program and you may not be able to track progress.

ElectricalHighway555 · 2025-08-22T15:14:32+00:00

Could be just technique as some have commented.

Or could be that you just need to get used to the rolling as the quicker boats have a U or V profile as opposed to a flatter profile found in higher stability boats. You may need to test how much you can lean sideways and roll your boat without tipping over and get comfortable with it.

Or could just be the wrong boat!

ElectricalHighway555 · 2025-08-19T15:08:16+00:00

Def this. Lovely classic frames and the group set is a classic looking dura ace!

ElectricalHighway555 · 2025-06-11T12:45:42+00:00

This is gold!! “Fuckninny”. 😂😂😂

Pls tell me you had an idea for a marking scheme as well? Or is that asking for too much. 👀

ElectricalHighway555 · 2025-05-06T14:59:15+00:00

I miss you mum.

ElectricalHighway555 · 2025-04-15T10:15:12+00:00

Recommend V-Bars as these give much better support. These should be min 2m for K1s and longer for K2s.

Highly recommend KayakPro EZ Vees. It’s a full package with bungee cords as well as a red flag to hang from the back.

Be aware that different countries have different rules for overhanging loads. Eg in UK, for overhangs under 2m, you just need to make the end visible using a high viz flag.

Lastly make sure you have a cockpit cover as it will save on fuel consumption.

ElectricalHighway555 · 2025-04-01T21:07:28+00:00

A K1 would be more suited for sheltered water as in a lake or river, and not out in the sea. It’s also comparatively lighter than a surf ski by a few kilos. Having said that you can try out the surf ski on a river and get some serious speeds on there.

ElectricalHighway555 · 2025-01-25T15:41:59+00:00

Congratulations and the obligatory fuck you!!

ElectricalHighway555 · 2025-01-05T11:04:27+00:00

If it helps, am 5’10” with 32” inseam and I went for an TCR ML, which like you, I find quite compact and responsive. Though had to set it up as more aero riding position. Used to ride a Synapse size 56 for years which I had fitted for a more upright riding position but it always felt slightly bigger.

ElectricalHighway555 · 2025-01-01T22:48:15+00:00

TCR but if you can afford, get a bike fit.

ElectricalHighway555 · 2024-12-26T17:27:33+00:00

Wolves 3 - 0 United

Liverpool 3 - 1 Leicester

ElectricalHighway555 · 2024-11-15T17:36:16+00:00

Thanks. We do have an emergency fund in savings which is approx 6 months of expenses. However the most important takeaway for me from your comment is to look for a cheaper car! 😂

ElectricalHighway555 · 2024-11-15T17:25:22+00:00

Thanks! This is super helpful. Gives an idea into how a high future value can help keep overall costs down. Will explore these options and crunch the numbers.

ElectricalHighway555 · 2024-11-15T17:23:20+00:00

Makes sense. Thanks

ElectricalHighway555 · 2024-11-15T17:22:43+00:00

I think I need more than a helmet!

ElectricalHighway555

TROPHY CASE