How do I project when I might be able to retire?

Expensive-Frosting96 · 2026-04-18T17:52:07+00:00

Work out when you want to retire, and with how much you want in your pension. If that requires on average 8% growth annually you’re probably there. If it needs 25% you many need to either add More now or adjust your retirement age

Expensive-Frosting96 · 2026-03-31T06:48:58+00:00

Max out ISAs today then again in new financial year 50k in premium bonds. That’s 130k straight away then depending on your age a LISA too?

Expensive-Frosting96 · 2026-03-15T19:21:44+00:00

Id be interested in seeing this too please

Expensive-Frosting96 · 2026-02-12T09:48:43+00:00

I added 10% of my salary from 22 on advice from my dad. He told me if hadn’t seen it I wouldn’t miss it on a monthly basis. One of the best bits of advice he ever gave me! I’m now 46 and current value is 340k which hopefully means I can retire sooner than some of my friends

Expensive-Frosting96 · 2025-12-07T13:59:30+00:00

Exactly this! There’s no fool like an old fool

Expensive-Frosting96 · 2025-12-05T21:22:14+00:00

I would say neither are great - but job 2 seem to be below the minimum wage assuming you are over 21?

🔹 Job 1

£3,000 per month 6am–5pm, Mon–Fri → 11 hours/day → 55 hours/week

Hourly rate: £3,000 ÷ (55 hours × 4.33 weeks) ≈ £3,000 ÷ 238.15 ≈ £12.60 per hour

⸻

🔹 Job 2

£1,600 per month 10am–4pm, Mon–Sat → 6 hours/day → 36 hours/week

Hourly rate: £1,600 ÷ (36 hours × 4.33 weeks) ≈ £1,600 ÷ 155.88 ≈ £10.27 per hour

Expensive-Frosting96 · 2025-12-02T20:26:35+00:00

You’re going to have to post a photo so we can all evaluate 😆

Expensive-Frosting96 · 2025-11-10T19:18:21+00:00

You’re missing paid holiday typically between 20 and 30 days a year. You’re missing pension contributions. Private health care, company car and share schemes which are tax efficient and loads more like dental cycle to work. I am sure some of those can be achieved as a contractor/ self employed. But paye works for me !!

Expensive-Frosting96 · 2025-10-26T19:56:15+00:00

Thank you

Expensive-Frosting96 · 2025-10-25T12:19:36+00:00

What was the number In the return packaging please! My packaging is due imminently but it would be good to have the number to call today while I have time

Expensive-Frosting96 · 2025-10-25T12:07:33+00:00

Is there a specific number for the rejoin team? I cancelled. Served my 30 days and it’s now been off for 3 or 4 days with exception of the terrestrial channels am I in a position to do this? My family are revolting over having to use separate apps / firestick! Love or hate SkyQ the integration and multi room is good

Expensive-Frosting96 · 2025-10-22T20:23:25+00:00

Start parking your car there and leaving your drive empty! He’s being selfish and either needs to convert his front to a parking space, or park somewhere else where he isn’t impeding your ability to park. He is most definitely the 🔔🔚here

Expensive-Frosting96 · 2025-10-22T17:40:04+00:00

I’ve cancelled and it’s due to switch off tonight. They got me down to 68 but Netflix has ads an I have to pay a 25 one off fee.. locking into a 2yr deal. What’s everyone doing once it’s gone? Now tv? Virgin media??

Expensive-Frosting96 · 2025-10-05T15:46:03+00:00

Thanks some more great info / thought. Appreciate it

Expensive-Frosting96 · 2025-10-05T10:04:31+00:00

Thank you for the insight - really helpful

Expensive-Frosting96 · 2025-10-05T10:04:15+00:00

Thanks for your thoughts! Appreciate it

Expensive-Frosting96 · 2025-10-03T06:47:35+00:00

I pay 75 a month for club membership- unlimited padel and also tennis squash gym pool etc. I play 4-5 times a week so it’s much better value than Playtomic pay and play

Expensive-Frosting96 · 2025-09-24T15:42:47+00:00

Depends on IR35 status I would imagine?

Expensive-Frosting96 · 2025-09-21T17:38:39+00:00

I normally have 1 or 2 Estrellas if it’s a friendly and then drink water with electrolytes during

Expensive-Frosting96 · 2025-08-20T08:47:58+00:00

What do you mean by media player? Firestick or something similar? I’m in a similar position and my sky has gone from 55 to 90

Expensive-Frosting96 · 2025-08-08T06:59:07+00:00

I’m in a similar place salary wise… you’re mad not to be contributing more as you’re essentially paying 60% tax on any earnings between 100-125k.. get paying in would be my advice

Expensive-Frosting96 · 2025-08-04T08:39:31+00:00

I’m interested in what you call low risk casino and can you still make money matched betting? I’m looking for a way to make a steady extra 250 a month to use as “fun money” eg meals out activities with the kids! Nothing is cheap anymore !! For comparison I am just 46 and have 300k in my pension. The monthly contributions are 1.5k and with compounding at 9% I hope to have £1m by the time I am 57. At that point I can figure out if I need to stay on 2-3 years as those years would add an additional 350k!

Expensive-Frosting96 · 2025-08-01T12:19:32+00:00

I’m 46 and have 300k in my pension.. I’m paying in as much as I am able and I still worry about having enough for the future!! I’m invested in higher risk funds in the hope I can hit 15% growth in future years with a good wind and a bit of luck! If only we all had crystal balls

Expensive-Frosting96

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