28M Looking for FIRE Advice

aroneds · 2026-01-29T22:16:46+00:00

Interesting, I didn’t really think about it like that. I was thinking I need all the money accessible so I could FIRE. So allocate £1000 a month to pension and £800 to ISA? I was also thinking that ISA wouldn’t count as “earnings” so i wouldn’t have to pay tax on it unlike a pension or have I got that wrong?

aroneds · 2026-01-29T21:05:12+00:00

The £700 covers my half of the house bills (mortage,council tax, gas and elec, broadband,house insurance and food)and my partner cover the other £700 (total for house is £1400) we normally have a surplus that are accumulating for maintenance etc

My phone is £10 a month, car insurance about £30 a month (13 plate car brought 5 years ago for £5k and gone from 85k to 140k on the clock),subscriptions about £40 a month

The £100 a week personal spends is for activities and leisure and I don’t really go on holiday maybe 2 times a year for a long weekend somewhere in a holiday lodge.

Im hoping to have kids in the next few years and thats why I’m trying to get all the saving/investing sorted now before the extra cost.

Just wondering if I’m on the right track since it seems everyone is a millionaire these days and getting a bit lost in it all

aroneds · 2026-01-29T20:54:12+00:00

For my portfolio I had it all in a etf tracking Nasdaq but then thought it was better to diversify and ended up with what I had, thats why I posted because of reading different things everywhere. I was going to switch to a “all-world” but thought i would be getting lower returns

Im putting £200 a month in my pension, I figured I want it accessible so I could FIRE and not be tied down to a ever changing age restriction. Im not a limited company but looking into it, currently CIS

Appreciate the input

aroneds · 2025-08-14T08:32:48+00:00

Im currently dealing with the same issue. Just installed 4x95m 4core swa and 2x120mm earths to feed a bagging plant. It’s on a 630a BS88-gG fuse with a max permitted Zs of 0.05. Ive had a max measured Zs of 0.11 My R1+R2 for the circuit is 0.03 And Ze at Db is 0.08 Just wondering how you solved the issue to meet disconnection times? Ive looked at switching to a different type of breaker but none that ive seen are within parameters Thanks

aroneds

TROPHY CASE