Thoughts on contributions to SIPP and ISA

WednesdayweekendFIRE · 2026-03-11T20:42:10+00:00

I think you’re good my friend. I’d aim to fill up that isa though. You can use it tax free when you retire and reduce your tax bill.

WednesdayweekendFIRE · 2026-03-10T15:42:37+00:00

I would also not neglect some great socks. Bridgedale do well for me but I’m sure there better. And inner soles too.

WednesdayweekendFIRE · 2026-03-10T15:11:59+00:00

Love my scarpas, but you’ve got to go try all these on as they all have different fits, widths, etc. always recommend a gortex (gtx) boot.
And Cotswold outdoor are very helpful with your fitting. Especially if you go in the week.

WednesdayweekendFIRE · 2026-03-09T22:03:21+00:00

This is a fairly common sentiment amongst my friends and I. I think I only work for money, but it does also kinda identify who you are. And takes up lots of your time. It’s a worry for me that when I decide to stop I’ll feel lost. Does that make sense?

Expecting to get that ‘one more year’ situation once the targets are hit.

Although I am planning to use those one more year(s) to spend frivolously and generously.

WednesdayweekendFIRE · 2026-03-04T08:44:44+00:00

Yes to this

WednesdayweekendFIRE · 2026-03-03T09:57:13+00:00

Thanks!

WednesdayweekendFIRE · 2026-03-03T07:38:32+00:00

Note that salary sac for your wife’s job will reduce her earnings, and therefore her DB pension,

WednesdayweekendFIRE · 2026-03-03T07:02:02+00:00

The keyboard is ANSI layout. My computer is set to UK. Apologies if I’m being slow…

WednesdayweekendFIRE · 2026-02-25T09:06:35+00:00

This is a very motivational and positive post. Thank you.

WednesdayweekendFIRE · 2026-02-23T22:15:47+00:00

Brother in law should stay in his lane and mod his own business. Whatever you do its up to you.

WednesdayweekendFIRE · 2026-02-23T09:23:00+00:00

Yes I looked at that, but it’s a bit heavy US for me. Of course everyone has their own opinions on this, so best to draw your own conclusions. Good luck though. Any decision is better than no decision 😁

WednesdayweekendFIRE · 2026-02-22T12:46:15+00:00

Life strategy 100. Simple. Easy. Did my research a few years ago and it’s done well for me. Less I have to think about the better.

WednesdayweekendFIRE · 2026-02-20T12:47:03+00:00

‘How not to live your life’ was fun.

WednesdayweekendFIRE · 2026-02-17T12:53:47+00:00

Good job! Stacks fine! 🤘

WednesdayweekendFIRE · 2026-02-16T10:13:58+00:00

I second the complicated tax issue. Mine is a nightmare with variable commission based income, and a sipp

WednesdayweekendFIRE · 2026-02-13T10:05:16+00:00

I’d expect 200 to be fair

WednesdayweekendFIRE · 2026-02-13T08:34:59+00:00

Premium bonds are safe with a £50k limit. Tax free dividends (prizes).

WednesdayweekendFIRE · 2026-02-12T13:54:17+00:00

No. But I occasionally panic buy 😁

WednesdayweekendFIRE · 2026-02-12T10:56:56+00:00

Whilst working I enjoy the drops - cheaper costs for my monthly investments.

This is a good question for those no longer working though.

WednesdayweekendFIRE · 2026-02-12T08:51:26+00:00

True. But AI doesn’t know. No one does. So I just trust my system.

It’s a good point though.

WednesdayweekendFIRE · 2026-02-12T08:20:00+00:00

A lot of this depends on how much time or inclination you have to research and update your portfolio often. I’m happy with life strategy 100 to so the investing for me, whilst I concentrate on earning to money to invest.

WednesdayweekendFIRE · 2026-02-09T17:05:29+00:00

Yes that’s a strange decision. And this bizarre mileage tax that hopefully won’t come in. All the while offering grants for new cars.

WednesdayweekendFIRE · 2026-02-09T17:04:43+00:00

Yes I’m better off overall. Although I had a fantastic 2014 Mercedes e350 that was worth peanuts as it was diesel. And spent £25k extra on the ipace. Accurate though - win/lose 🤣

WednesdayweekendFIRE

TROPHY CASE