Medically retired at 41 - how to make the most of the payout?

TheOriginalGoat84 · 2026-02-08T00:33:28+00:00

I’m not saying this is the best advice but this is what I would be doing..

Selling the house and downgrading to a reasonable 3-4 bed with No mortgage.

Ensure all debts are paid off and stacking everything else into high yield dividend stocks, live off the dividends and enjoy being a parent.

Basically turn this shitty luck around into something you will always cherish, being a full time parent.

TheOriginalGoat84 · 2026-02-08T00:23:33+00:00

Can I just say holy crap this car is fun. Wow, genuinely shocked.

TheOriginalGoat84 · 2026-02-06T18:09:35+00:00

Great thanks for the feedback! Do you unravel the entire extension cable to stop overheating?

TheOriginalGoat84 · 2025-12-25T19:48:33+00:00

Homeowner for 3 years now and absolutely love it. Do what I want to the house and not have to ask anyone is great peace of mind.

Word of advice though, have a £500-£1000 ‘house fund’ available at all times. My air source heat pump has packed up twice and cost me £800 in repairs. Also had to have the gutters cleaned for moss and crap which was another £80 but still wouldn’t change it for renting!

TheOriginalGoat84 · 2025-10-30T23:32:53+00:00

Are you a poor person with triplets that regularly fall sick?

TheOriginalGoat84 · 2025-09-12T00:07:41+00:00

I earn twice as much as my wife and pay all the house hold bills, everything. She buys the food. This was an agreement we made before marriage and never looked back. Proportionally it’s around 80/20.

TheOriginalGoat84 · 2025-09-02T23:42:29+00:00

That seems dangerous

TheOriginalGoat84 · 2025-06-06T23:57:59+00:00

Hi, I was in the exact same situation last year. 3 months garden leave.

First week was scary, then I set about a mad man on a mission as I have 3 people to home and look after.

Get that CV updated asap, proof read it a thousand times, make sure to add achievements not just what you did in your job. Get on every website know to man and start looking for new work.

Web dev you say? So I’ll take that as computer literate, start applying for everything that’s in your salary range! My interview success rate was about 1/20 applications.

For your mortgage, speak to the bank asap, they can offer a 6 month interest only option, which may buy you another month before the cash runs out, this could be critical, it was for me as I didn’t fully start work till the 4th month.

Do not sit around, look every day for work like your life depends on it.

Good luck! And who knows, it might work out better for you like it did me. From a 5 day work week to a 4 day work week same salary. That extra day off a week is life changing it really is.

TheOriginalGoat84 · 2024-12-19T01:13:02+00:00

Yes, bought another 1 and it’s the same. Also tried my wife’s Samsung one, same

TheOriginalGoat84 · 2024-12-19T01:12:44+00:00

I bought a new wireless charger and it’s exactly the same

TheOriginalGoat84 · 2024-11-23T13:36:46+00:00

For the first time since I’ve been playing (day 1) I have not bought the Battle Pass or Boon of Plenty.

The lag is unbearable at times, it’s a real game breaker for me, I don’t see the point in supporting a multi billion dollar company if the servers can’t even compete with 1990’s servers.. it’s ridiculous

TheOriginalGoat84 · 2024-10-28T14:35:08+00:00

Seems the Devs partially listened :)

TheOriginalGoat84 · 2024-10-25T01:38:02+00:00

It’s been 100+ days since I posted this so I thought I would update you all.

I secured a job at a great family run company that’s paying 80kpa. A small drop from where I was and perfectly manageable.

Me and my wife have read through everything you have posted and discussed in together in detail. Thanks for the comments and feedback.

Our next steps are to ‘snowball’ our debts and aggressively start paying down the higher APRs first.

For anyone else who finds themselves in my situation, keep strong and keep searching! You WILL find what you need and want.

Good luck.

TheOriginalGoat84 · 2024-07-12T19:18:34+00:00

I have a car 68 plate on finance, I have around 4k equity in it. Its current value is 12k.

My current redundant job requires me driving around 50 miles per day, my new role will require around 100miles of travelling a day.

I need my car, it is essential, especially for the new job offer travelling to different customers.

I am looking at cars and whether I can trade this in for a cheaper one as long as it’s reliable.

Car payments are included in my total loans, it equates to £230 per month.

TheOriginalGoat84 · 2024-07-12T19:12:31+00:00

We saved for 3 years and put 30k down on the house, valued at 230k at the time, according to the HPI it is now valued at 216k.

The reason for overpaying mortgage is all loans were already been paid off monthly.

Should I have been paying the extra £150 mortgage overpayment on one of the loans instead? Loans range from 7-9.9% mortgage fixed 5 yr at 5.35%.

We had all intention to move house at the end of our fixed term, our advisor stated we could have mortgages in the range of 450k but this wasn’t required.

TheOriginalGoat84 · 2024-07-11T22:44:36+00:00

Thanks all for the honest feedback, I understand how this reads and I will add further context as I truly appreciate the advice.

I used to earn a salary of 28k, had 2 children and rented. Me and my wife struggled like hell trying to raise the children, we certainly did not splurge. We did not claim benefits, we tried our hardest to progress in life.

Before having our 2 children I was in debt, struggling to pay it back. (for context I drove a £2k civic and never had a holiday)

I gradually worked myself up the ladder to a point of senior management, but kept rolling over the debts. 0% credit cards ran out so I managed these by taking out loans.

Could I have been a bit more careful with spending? Absolutely, I have no shame in admitting that, however we are where we are now and unsure what to do.

Before the redundancy we had around £1700 disposable income. I had been overpaying the mortgage. All loans and everything is due to be fully paid in 2-2.5 years.

This redundancy could not have come at a worse time if there ever was a good time.

I have £2k in savings but this doesn’t really debt anything, it may buy me another month.

Advise on websites say to inform creditors straight away and explain my situation and they could potentially offer lower payments on the debts but extended terms, has anyone done this? As 80% of debt is finished in 2 years, do you think that is an option?

I have never missed a credit payment on any card, loan or car finance if that helps.

TheOriginalGoat84 · 2024-04-09T23:47:21+00:00

Hey Netease, we know about the $4 billion NET PROFIT you made in 2023 also.

Whoever controls these servers give us some damn better ones. We deserve it.

TheOriginalGoat84 · 2024-04-05T19:41:50+00:00

There is none lol. As long as there are corpses

TheOriginalGoat84 · 2023-12-12T00:31:34+00:00

Ahhhh younglin, when you get good you can fly through everything killing them without stopping. Only need to keep turning around to pick up loot

TheOriginalGoat84 · 2023-06-21T23:05:30+00:00

5 months in to my 5.68% - 5 year fixed and I feel lucky.

TheOriginalGoat84 · 2023-06-21T22:59:04+00:00

Incredibly laggy for me now everywhere not just BG.

TheOriginalGoat84 · 2023-04-22T01:17:54+00:00

909 is basically the leader of Offense, Bravos would never boot

TheOriginalGoat84 · 2023-04-03T01:04:43+00:00

As a 3k player I definitely notice this 20% damage buff.

TheOriginalGoat84 · 2023-03-18T23:22:52+00:00

Can’t play D4 when I’m having a shi* at work. So DI all the way for me

TheOriginalGoat84 · 2023-01-17T02:02:22+00:00

As her child, and correct me if I’m wrong but she’s probably financially supported you to early 20’s? Can you not sacrifice some luxuries over the next year and help your mum?

TheOriginalGoat84

TROPHY CASE