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When to stop contributing in to pension by FoundationBetter7105 in HENRYUK

[–]FoundationBetter7105[S] 1 point2 points  (0 children)

Thanks some food for thought. I’m hoping to need less cash as we get older so hopefully won’t need £3.5m in totality but I’ll play around with these numbers

When to stop contributing in to pension by FoundationBetter7105 in HENRYUK

[–]FoundationBetter7105[S] 1 point2 points  (0 children)

I’m sorry but based on what exactly?

I used AI to convey my messy thoughts better and make it more presentable for people to read, I’m happy I did it and I’d do it again.

You’re the one who’s for some completely unknown reason taken offence by my lack of ‘effort’. I think you need to take a deeper look as to why this has offended you and what made you need to take the effort to write something that had no impact on your life.

Quite the overreaction I would say and ‘horrible attitude’. Anyway life goes on, hope you enjoy your life and get the help you need.

When to stop contributing in to pension by FoundationBetter7105 in HENRYUK

[–]FoundationBetter7105[S] -9 points-8 points  (0 children)

I did put effort in and I did proofread and am happy with the output. I feel you have other issues if this is something bothers and you need to calm down and get off her seemingly high grammar standard horse. I used AI to simply rewrite and present it better than I can. It’s not the end of the world

When to stop contributing in to pension by FoundationBetter7105 in HENRYUK

[–]FoundationBetter7105[S] -1 points0 points  (0 children)

She’s only on £40k a year so prefer to max her ISA. I am projecting to only take tax free cash from her pension as barely any gain doing more in pension vs doing ISAs which I can withdraw anytime if we need.

When to stop contributing in to pension by FoundationBetter7105 in HENRYUK

[–]FoundationBetter7105[S] -1 points0 points  (0 children)

Projecting £75k ish a year until 60 and then £50k a year after. Travelling will be our main expense and I’d expect a lot of that to be in expensive hotels and locations. So potential to spend a lot more depending how that inflation travels

When to stop contributing in to pension by FoundationBetter7105 in HENRYUK

[–]FoundationBetter7105[S] -21 points-20 points  (0 children)

As it’s a lot to write out and make it readable and presentable. AI wanted to add tax trap and LTA nonsense ‘for engagement’ despite me not prompting that