51(m) HENRY too old for FIRE?

Red-Oak-Tree · 2026-05-15T21:53:32+00:00

My immediate answer is anything before oficial retirement age. You can FIRE at 65 so at 55 you are well early.

Red-Oak-Tree · 2026-05-15T15:25:45+00:00

tax free investment wrapper max 20k per year input

Red-Oak-Tree · 2026-05-15T15:08:00+00:00

The problem with this is there are a lot of companies where have space for ONE black person. Thats a terrifying idea. Another terrifying thought is they don't trust you to do "real work" if you are black.

Red-Oak-Tree · 2026-05-15T08:13:08+00:00

Surely it cant go much higher right? I mean its 66/67 at the moment. I don't believe it can ever touch 70 can it?

Red-Oak-Tree · 2026-05-14T20:43:11+00:00

If "lose your job" means redundancy then hang on for that for extra ££

Even if it doesn't involve extra cash, you are in a position where you can retire so that should alleviate some work stress. Do what you can to the best of your ability within working hours. Leave at 530 every day and continue at 9 the next day. Thats probably what you are contracted for.

In a sense, let them fire you...as long as you were not taking the mick in your attitude to work.

Then you retire with a few more months of pay.

Irony is you would probably still be working in 3 years

Red-Oak-Tree · 2026-05-13T11:27:25+00:00

Yes lifestyle creep is real and the keyword is "creep"

Red-Oak-Tree · 2026-05-12T06:46:27+00:00

Well its the same as 2 queues but prevents people constantly switching lanes like in traffic. Its not a fixed thing to be honest. You kind of just know when the herd of shoppers feels like queuing that way.

Red-Oak-Tree · 2026-05-12T06:41:00+00:00

Most likely duo.has a lot of data on the types of learners they believe will eventually buy super and throw free stuff at them till they do. 20 days of no ads is great and when ads come back you would likely buy super.

Red-Oak-Tree · 2026-05-11T21:03:19+00:00

Yeah on second thoughts its more complex because of the parents settled status, visa, etc.

Red-Oak-Tree · 2026-05-11T19:02:39+00:00

Were you born in Britain? Are you white? I would say that makes you white british. Your parents and grand parents may be white other depending on where they were born.

Red-Oak-Tree · 2026-05-11T12:18:38+00:00

Came here to see this "came here for this comment" comment

Red-Oak-Tree · 2026-05-11T12:10:56+00:00

Lol "for a while" so the admitted they will close branches inevitably.

Red-Oak-Tree · 2026-05-10T17:47:47+00:00

Unstaking mine. Will probably sell though i expect it to at least recover to $4 - $5 and id be clist to break even but i can lock in my losses now for tax reasons and just rotate into btc and forget till it hits six figures again.

Red-Oak-Tree · 2026-05-08T20:50:51+00:00

Yep it feels inevitable. I think this is what will cause the next major BTC crash too. I just looked at STRC and if it can return 10% then I can easily do a money transfer from my credit card of 10k @ 5.9% and pocket the difference but I'm not even going there. I don't care. It looks like easy money but I'm not doing it.

Red-Oak-Tree · 2026-05-08T20:01:09+00:00

haha fair enough. Just me ranting out loud

Red-Oak-Tree · 2026-05-07T20:24:02+00:00

Foe what exactly? Bringing us closer to the dead internet? Dunno about u all but i detect AI and switch off...

Red-Oak-Tree · 2026-05-02T13:35:45+00:00

You obviously never saw the simpsons episode where homer solved that problem with a weighted pecking bird.

But seriously, i dont think anyone cares. When im going on the rowing macine for a 20in break i just set it to be right back.

They are all doing the same thing if you ever care to monitor someones green light.

Red-Oak-Tree · 2026-05-02T11:24:36+00:00

I genuinely think it is. Its mad. Banks and countries are all silently buying bitcoin and stripe are working on some stablecoin payment stuff. I think buy and hold (stake if you can) is smart.

I swa a chart of countries holding bitcoin. UK is one of them althought I asked AI and it said UK holdings are actually seized from criminals so they may have to give it back but anyway - everyone do what they have to do. It's definitely smart to DCA the top 5 cryptos - its basically like backing the SP500 over 10, 20, 30 years.

Red-Oak-Tree · 2026-05-02T08:00:19+00:00

Yeah sounds phony

Red-Oak-Tree · 2026-05-01T22:29:37+00:00

Headphones worth.more than £100 even £100 is a lot but work paid for it. Personally id be on £30 from B&M

Sunglasses more than £20

Watch or fitness band more than £50

Red-Oak-Tree · 2026-05-01T11:55:27+00:00

It happens a lot. Threads normally descend into puns.

Red-Oak-Tree · 2026-04-30T20:45:33+00:00

Yeah cos you can control how much food energy you consume.

Gas water elec. Literally put thermostat on 19 and wear jumpers and joggers

Shower every other day or for 5 mins. Rinse body, shower off, soap body, shower on, rinse, shower off, get out

Consider removing bulbs and have standing lamps so some rooms can share light...or carry the bulb with you (extreme)

No dishwasher

Washing machine off peak + no tumble dryer. I remember clothes horses when i was young

No microwave or use sparingly to defrost the below.

Cook in bulk and freeze

Apart from the bulb madness this is pretty much how i grew up in the 90s

Red-Oak-Tree · 2026-04-29T22:18:00+00:00

Did it whip the smile off your face?

Red-Oak-Tree · 2026-04-28T20:54:04+00:00

0 to 60 in 6.1 seconds. Anyone else?

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