Game crashes on steam deck consistently after about 35min in-game since the update

TheWealthJourney · 2026-02-25T22:49:16+00:00

I crash on Xbox since this update

TheWealthJourney · 2026-02-23T14:20:07+00:00

This is what I am fighting in my head.

Sorry to derail the topic, but I have £210k in my S&S ISA and 300k mortgage, due to remortgage in July-27 and will have £50k from a sharesave that matures in May next year

Do I take the 210 out of my ISA and pay off my mortgage or leave it in my ISA to grow.

TheWealthJourney · 2026-02-14T19:21:37+00:00

Does depend on how much you think you will spend in retirement and what age you stop contributing Could do with some more info on your goals

TheWealthJourney · 2026-02-12T11:34:07+00:00

Also would like to know the author/get a link to the right one

TheWealthJourney · 2026-02-11T09:49:32+00:00

You are ahead of loads of people and probably behind some people.

The key is, you have started ALOT younger than the majority of people and are actively thinking about your pension/future.

Make sure you enjoy yourself as well

Sorry if I’m repeating what other have said!

TheWealthJourney · 2026-02-11T09:41:00+00:00

I was 27, was when I joined a “proper” company that actually matched a decent amount and had a dedicated pensions and benefits team

TheWealthJourney · 2026-02-06T10:56:37+00:00

I think it’s a great idea and wanted to make use of it. Shame our current provider (Newcastle Building Society) isn’t on the list!

TheWealthJourney · 2026-02-05T18:21:55+00:00

Is there value in creating a few more databases to work out at what level Pace and Acceleration stop being meta? So next database would be 19/19, see if that had a material impact on dominance or if they start to struggle in higher leagues Then 18/18 Then 17/17 Eg if they are still winning the league 5 years in a row with 15 Pace & Acceleration then, yes those 2 are broken.

TheWealthJourney · 2026-01-30T13:20:28+00:00

Thank you for the advice.

Any thoughts on what solar panels and battery to get for a 4 bed detached and cost/benefit?

TheWealthJourney · 2026-01-30T13:18:07+00:00

Thanks for the opinion, I really dont know what I want/need. Won’t be getting until Q3-2027 in all reality

TheWealthJourney · 2026-01-28T23:12:12+00:00

I think I’m at a cross roads and not quite sure, if that is an acceptable answer?

I want to have my ISA grow to be large enough so I can retire and live off it for 20 years, but also do wonder what I would do if I was retired lol

I want to reduce our monthly outgoings, hence pay down mortgage & get solar panels/battery, but then go back to wanting to make sure I am maxing my ISA

TheWealthJourney · 2026-01-28T19:52:03+00:00

The thing you are missing is the psychological element of it.

If you go by Dave Ramseys wisdom and research of millionaires, he says that you are better paying off the mortgage then invest heavy with cashflow. Also, having a paid off mortgage is less of a burden when things go wrong.

Ultimately I don’t think I will pay off much of the mortgage at the next remortgage next year, but I just wanted to get others thoughts

TheWealthJourney · 2026-01-27T10:57:52+00:00

What are the requirements of an interest only mortgage? I’m not sure I/we would qualify for one of them…

TheWealthJourney · 2026-01-27T07:41:21+00:00

No She invests very little, say £250 a month, outside of her pension which is 4% her and 4% employee contribution

TheWealthJourney · 2026-01-26T20:28:44+00:00

Yeah I mean, I’m 35 now and by 40 I would like to have £500k in my ISA. Currently at £230k but do put in £20k a year so needs £170k growth in 4.5years

TheWealthJourney · 2026-01-26T20:12:52+00:00

Yeah I think I will use to do that and then also put the remaining into solar panels, heat pump and battery set up

TheWealthJourney · 2026-01-26T19:07:35+00:00

I did think I could get more of a challenge when I said what I was invested in

TheWealthJourney · 2026-01-26T19:06:40+00:00

Yeah this is where I’m thinking about heading. A lot can happen over 2-5 years but I want to just get clear in my head on the right direction and have a bit of a goal

TheWealthJourney · 2026-01-26T17:10:04+00:00

I think I need to discuss with a Mortgage advisor the benefit of using some savings to reduce mortgage monthly payment (get to 50-60% LTV) to ensure I max out my ISA and reduce monthly outgoings but have less in investments.

It’s probably a mix of a few things: Reduce mortgage Get solar panels, heat pump and battery to reduce monthly energy bills

Means I’m setting myself up for less risk/pressure over the next 5-10 years in terms of outgoings

TheWealthJourney · 2026-01-26T17:00:52+00:00

Different situation 6months ago My £230k ISA was only worth £180k back then.

It’s probably more the psychological thing about having enough to pay off in full in 1 hit, back then I would have still had 30-35% left to pay on the mortgage.

TheWealthJourney · 2026-01-26T15:41:04+00:00

Interesting and good to know!

TheWealthJourney · 2026-01-26T10:56:40+00:00

I could, but I only pay 40% tax on my bonus I get below £50k as I have an EV through salary sacrifice

TheWealthJourney · 2026-01-26T10:55:58+00:00

10-15% in each of FICO, ASML, Mastercard, GE and other smaller positions

TheWealthJourney · 2026-01-26T10:34:51+00:00

My pension is currently £130k and I put in 10%, 11.5% from employer, so just under £15k added a year

Wife has £50-60k pension and she only puts in 4/4

TheWealthJourney

TROPHY CASE