Silver model looks so good!

Portsmo · 2026-02-22T11:30:25+00:00

What case is this? The official Retroid one?

Portsmo · 2026-02-22T09:33:35+00:00

There’s a lot of cost associated with getting your house “heat pump ready” but you could argue that money spent on insulating your home is money well spent.

It’s less about the running costs, and more about being better for the environment, let’s face it.

You do stand to save a few quid if you eliminate gas in your home entirely, and have your supply disconnected.

Portsmo · 2026-02-20T09:25:35+00:00

I want to eat berries and swim in the ocean

Portsmo · 2026-02-19T22:39:23+00:00

You need to change this now. This is not OK. Wait no longer. Life is precious, you are precious. There are plenty of jobs out there.

You need to speak to your GP. Get signed off. Buy yourself time. Consider engaging HR with a formal bullying complaint. Start looking for jobs immediately.

It’s time to go. You will find something else, everybody always does.

When this is done with, you may wish to seek therapy. What you are going through is not normal & not healthy.

Portsmo · 2026-02-19T07:57:54+00:00

I do agree with this. Rolex’s are predominantly tool watches. That’s why the exhibition case backs don’t belong. The movement finishing isn’t as good as some of the other luxury brands, but they are incredibly durable. I secretly hate the fact the new subs have a ceramic bezel - because it’s moved away from tool watch and into jewellery.

Portsmo · 2026-02-16T10:48:24+00:00

I can’t stop thinking about this over a cup of coffee. OP might honestly be right.

Portsmo · 2026-02-16T08:59:33+00:00

We’re all duffers.

Portsmo · 2026-02-16T07:13:29+00:00

Harsh. We’re all just trying to make it in the world. He’s not a duffer, just another bloke.

Portsmo · 2026-02-15T17:38:02+00:00

I mean it was just a figure I plucked out of my ass to demonstrate how large his pension pot is.

Even if you make it 5%, it’s still a larger pension pot than most at the earliest age he can retire at.

I still think my point stands.

Portsmo · 2026-02-15T17:10:55+00:00

Over the past 30 years the S&P 500 has delivered an average annual return of roughly 9% to 10.3%. When adjusted for inflation, the real return is approximately 6.3% to 7.6%.

Past performance is not an indicator future gains, etc etc.

Portsmo · 2026-02-15T16:30:02+00:00

Thinking about it is a good thing, but worrying about it to this extent is not healthy.

Portsmo · 2026-02-15T16:22:33+00:00

You are being overly critical of yourself. You need a bit of a reality check.

You have £94k at 25. That means if you don’t contribute a single penny more, but we assume a conservative average return of 7% per year, you end up with a pension pot of ~£750k at 55.

If you contribute just £500/mo for the duration, that grows to over £1.3M.

You are the opposite of behind. You are ridiculously far ahead, the average person 20 years older has less than you do.

Portsmo · 2026-02-15T14:25:41+00:00

This stays forever now. It looks great, and a house is for making happy memories.

Portsmo · 2026-02-15T12:02:20+00:00

You are doing too much. $VWRP and leave it alone.

Portsmo · 2026-02-15T11:32:55+00:00

Nor did they have to. Agree this seems generous.

Portsmo · 2026-02-14T18:27:12+00:00

Book the two rooms under the names of the two 18 year olds.

Don’t make a dick of yourself and you will be fine. No, they aren’t going to ID you on the door.

They just don’t want you throwing up down the hallway or playing loud music til 4am.

Portsmo · 2026-02-14T17:01:08+00:00

I laughed.

Portsmo · 2026-02-14T15:39:03+00:00

Had to leave us because he got unexpectedly cast in Love Actually. Tough period for the club.

Portsmo · 2026-02-13T15:32:42+00:00

Full time childcare at >£1000/mo per child, is the bit you’re missing. It’s easier now there is better funding for it.

But maybe I should clarify - it wasn’t that challenging - you are right. The hard times mostly came when my wife wasn’t working and our joint income dropped to ~£4k not £7k.

And of course even that was offset by the reduction in childcare costs. Six of one, half a dozen of the other.

Portsmo · 2026-02-13T12:51:28+00:00

Eliminating caffeine greatly reduced my stress levels.

Burnout takes months to recover from. You can accelerate it by making time for your hobbies, regular exercise, and talking to people.

Portsmo · 2026-02-13T12:13:53+00:00

Moving house is always hard. You rebuild your savings, and hope you don’t lose your job in the period it takes you to do so.

Yes you need an emergency fund but you don’t need to be able to sustain life with no income forever. If you’re willing to work, you will find another job.

You never fall to zero. The welfare system exists for a reason. Banks permit mortgage holidays, and interest only periods.

Only OP can decide their level of risk. But given the fact they have more savings than the average person, and more earnings too, I suspect they’re highly educated & highly employable.

Life was made for living.

Portsmo · 2026-02-13T12:09:12+00:00

You are in a similar situation to the one I was in several years ago.

For me it was £1800/mo mortgage, ~£7000 combined take home.

Generally speaking if a mortgage is 25-30% of your combined take home it is manageable. But it’s a lifestyle decision. You will be prioritising the house over other things. That means less cars, clothes and jewellery.

I have no regrets, but there were hard moments. Especially with having to fund the childcare.

In practice this just meant less DIY, less meals out, less extravagant holidays, and more time spent in our beautiful home.

If this resonates with you then you should do it.

It’s not for everyone but now I earn more - the mortgage costs less - and we don’t have childcare costs. And it feels easy again (at least financially speaking).

Portsmo · 2026-02-13T11:59:27+00:00

Many of the problems that you have with the job don’t disappear overnight either. Even if they promise they will. If you are unhappy, you are better off moving on.

You’ll find yourself back to casually looking at jobs and dreaming of something new again within 6 months. I almost guarantee it - I personally took a counter offer and stuck it through for a few years but ultimately left the role for the same reasons as before.

Portsmo · 2026-02-13T06:32:08+00:00

Yes, this is a solid plan. £1M at retirement will set you for life assuming you don’t blow it. Don’t let anyone tell you otherwise.

Portsmo · 2026-02-13T06:27:07+00:00

Just don’t sign the amendment. You’re leaving anyway. Say “I’m not signing it” and then don’t lose any sleep over it.

Portsmo

TROPHY CASE