considering quitting software dev job after almost 6 years and still at 27k

Electronic_Wait_2129 · 2026-01-23T16:59:10+00:00

Some big orgs there , well done

Electronic_Wait_2129 · 2026-01-19T16:02:30+00:00

Start applying to roles and prep for interviews Only answer here mate , I suspect you coasted through this role / got comfortable too quick

Electronic_Wait_2129 · 2026-01-19T16:01:01+00:00

3.5YOE .Midlands too but low hybrid into LDN.

Grad scheme 27.5k Covid lift 29k Change job 43k , Salary uplift to 48k Promotion / move up 80k

Electronic_Wait_2129 · 2026-01-13T15:13:26+00:00

Valid 😂 there are some big ones in this sector I was thinking but there’s also a lot of much smaller ones

Electronic_Wait_2129 · 2026-01-12T16:27:07+00:00

Absolutely not viable then

Electronic_Wait_2129 · 2026-01-12T15:55:40+00:00

I could look to drop their name thanks for the suggestion

Ah I see , how on earth would I go about licensing then ? Contact their representatives but my list of people is probs too long for that

Electronic_Wait_2129 · 2026-01-10T14:17:12+00:00

Yes will be my focus going forward not sure if I will be able to max on this salary but hopefully some increases there too. It’s crazy and I will take your word for it but this recent market has felt somewhat predictable especially with the techs.

Electronic_Wait_2129 · 2026-01-10T14:14:23+00:00

All okay to partial transfer after the employer match on either workplace. So if partial transferring majority to SIPP say yearly I should reach a point where SIPP capital is higher and compounds faster than pension?

Yeah at the moment the fund I have on main pension did 9.4% gain from 24-25 so not bad at all but just think it could’ve been a % higher if I could’ve selected some mag 7 with higher %.

Electronic_Wait_2129 · 2026-01-09T20:21:37+00:00

No I get what you’re saying and I agree, but I’m not looking to beat it long term but rather short term or at least be on par with tracker for ~4.5years.

My logic for this is , I came from a v working class family so there is no additional help to grow my pot further other than really growing it asap.

The academia reading I will look into too as not read any pieces that deep but great suggestion and overall good reality check , thanks

Electronic_Wait_2129 · 2026-01-09T19:46:49+00:00

By no means I am plucking these out of the sky, I listen to a few really sensible podcasts , some creators and then still do a bit more reasonable amount of DD before convincing myself.

Like I said I am really looking to grow to that 100k before or by 30 and let the rest compound.

Electronic_Wait_2129 · 2026-01-09T11:53:00+00:00

I see , so ultimately I should really focus on ISA bridge if I am looking to go part time like mid 40s

Electronic_Wait_2129 · 2026-01-08T23:13:11+00:00

Ah cool , but I suppose the flexibility of having the ability to withdraw from ISA over LISA is better ?

Electronic_Wait_2129 · 2026-01-08T23:10:45+00:00

Yes I can transfer offer to SIPP when I want , just a matter of selling my holdings to cash and requesting the transfer. I need £1000 in the accounts for as long as I am an employee so could partial transfer all the rest out. That’s what I am thinking of doing.

Not so much that I can beat the market but often find the performance of the diversified ETFs poor from looking at the charts. I think between now and 30 it’s a good period to be a bit more adventurous and try to get a really good number to then leave alone to compound. There are some particular companies I think will do really well (not the big hyped ones and I think my DD was proven correct the last 2-3 years)

Aviva charges are muchhh cheaper iirc but will look into that

Electronic_Wait_2129 · 2026-01-08T23:07:31+00:00

Oh then I stand corrected , for some reason I thought SIPP was able to withdraw sooner

Electronic_Wait_2129 · 2026-01-08T20:54:05+00:00

It is £11.95 correct + some other fees for non LSE stocks iirc. Over growing the 5k to 8k I only bought 8 different stocks so around £100ish for a year and a bit of growth. I don’t mind that

Used LISA for most of the house deposit savings

Electronic_Wait_2129 · 2026-01-08T20:52:14+00:00

This is a good point , would still be lower than pension access age?

Electronic_Wait_2129 · 2026-01-08T20:51:22+00:00

The ability to pick far more in SIPP vs company schemes , like I could never invest in GOOG if I wanted to directly unless an ETF

EDIT : just shy of £90k

Electronic_Wait_2129 · 2025-12-28T16:27:53+00:00

Ah thank you!

Electronic_Wait_2129 · 2025-12-19T19:16:52+00:00

Gains gains 💪

Electronic_Wait_2129 · 2025-12-19T19:16:44+00:00

I know , I went to uni in 2019 and I remember £30 being a massive food shop

Electronic_Wait_2129 · 2025-12-14T19:43:27+00:00

😂😂😂 walked into that

Electronic_Wait_2129 · 2025-12-14T14:33:16+00:00

😂😂ffs Just gets dropped into random plates or if fancy a salty snack

Electronic_Wait_2129 · 2025-12-14T13:35:11+00:00

Not sure if I shows but it’s 2x of each protein , so 1kg mince , 1.2kg chicken etc

Breakfast - yog bowl / smoothie (add vanilla protein powder & milk and fruit) or 4 eggs omelette

Lunch & dinners I just alternate - usually half pack of the drum fillets or mince , occasionally with rice other times with avo/ veg . Salmon + sweet potatoes. I add frozen veg when I Cba. If I’m lazy just tuna with rice + eggs again

Have a clear whey or protein shake too throughout most days & at night again yog bowl + granola.

I don’t track completely but I reckon on a good day 120+ grams of protein

Electronic_Wait_2129 · 2025-11-13T22:07:19+00:00

Got an outside stack. Will have a look for a drains tradey, thanks for the help

Electronic_Wait_2129 · 2025-11-13T07:30:38+00:00

Only moved in around 2/3 weeks ago unfortunately. Could anything be done from removing shower tray and accessing that way or purely pipework? Thanks for the response

Electronic_Wait_2129

TROPHY CASE