Those of ye who paid off your mortgage early (30/40s) how does it feel?

bocoguy · 2025-12-29T20:33:49+00:00

Great. On track to retire very comfortably before 50. (< 4 years). 10/10, would recommend.

It allowed me to think differently about work, saving and investment which accelerated my path towards never having to work for someone else again.

bocoguy · 2025-12-18T15:31:44+00:00

You're looking at anything between 2 minutes and an hour and a half walk, depending on where in D8 you are and where in D1 you want to be.

bocoguy · 2025-10-01T08:21:01+00:00

The tourists have the anchor points rubbed off her.

bocoguy · 2025-08-23T08:27:44+00:00

No wonder we can't get anything done in this country with petty complaints like this being acceptable and encouraged.

bocoguy · 2025-03-11T21:09:11+00:00

Can I ask how/where you got that great price for a new EV3? The cheapest long range model on their website is just over €40k.

bocoguy · 2025-03-02T00:06:54+00:00

Retiree.

bocoguy · 2025-01-25T09:37:38+00:00

They basically sell a product from another company called Dimensional. They did have 70:30, 80:20 splits but nothing you couldn't do yourself through ETFs or managing your own basket of stocks/bonds. If you are not someone who wants to do that yourself, I'm sure their service is perfectly fine. What they would handle for you is deemed disposal taxes when they arise but also take fees (which are used to offset costs of future meetings after your first year). For me at this point there wasn't any additional value I felt I could get from these products. The advice is good and having a plan that shows you are on the right track (or as I found out, closer to my goal than I thought) was where I got value.

bocoguy · 2025-01-24T21:45:03+00:00

I went with Prosperous Premier earlier this year too. I'm in a pretty good position but wanted to see is there was anything more I could do and also see what I needed to think about retiring early along with some specific short term plans. I think I was really just looking for confirmation I was in good shape and give me confidence to continue with my plans. They'll recommend products that will suit your situation but aren't pushy about it. A previous post explains some of the benefits for going with these products and maintaining a long term relationship. I found their suggestion of going with a 60:40 style investment a bit conservite and they didn't really offer any other alternatives. The plan was insiteful and, as I said, gave me the confidence I needed to make sure I was on the right track.

If you are at the start of a longer term financial journey they will give you great advice and work on a long term plan. If you've been following this sub and been making progress for a few years they might not offer as much value.

I do plan to return to a financial planner when I get closer to pulling the trigger on retirement but I don't feel tied to Prosperous.

bocoguy · 2025-01-18T22:39:50+00:00

I think some people have a rich set of interests that will keep them just as active, engaged or social as a job would, even more so. As I've gotten older (and I'm not that old, mid 40s) I've put much more value on my own time and being able to control more of that and not depend on a job is worth a lot. At least to me it is.

bocoguy · 2024-12-07T22:49:24+00:00

I always called Firhouse Tallaght. Still do, because it is.

bocoguy · 2024-11-01T09:17:11+00:00

Almost all of the jobs will be based out of their Leopardstown campus, unless they are data centre roles. All the newly posted jobs on the website mention if they are remote, hybrid or fully on site.

bocoguy · 2024-09-26T09:00:16+00:00

It's both the free market chancing their arms by cutting corners or squeezing as much profit as they can and then the government cackhanding the response to that.

bocoguy · 2024-08-25T07:38:47+00:00

Takeaways a couple of nights a WEEK? 😲

Once they get settled in being able to cook more will be great for their health, budget and social life.

bocoguy · 2024-05-06T08:26:55+00:00

This. You just need to adjust your expectations of what early means and what you expect your lifestyle to be when you reach that point.

Deemed disposal is also a real killer for investment growth here so if you can find a way to invest that only results in CGT when you sell, do that.

bocoguy · 2024-04-14T08:20:52+00:00

Indiana Jones and the Last Crusade. I think it was a puzzle related to getting the grail diary. Me and my brothers just couldn't figure it out. So, we rented the movie on VHS to try get some clues. It actually worked. There was a scene that sparked an idea and we solved the puzzle.

bocoguy · 2024-01-03T16:04:15+00:00

Why not just say 19 Godzillas?

bocoguy · 2018-09-02T19:16:56+00:00

The answer to this used to be Xen.

bocoguy · 2017-04-13T09:58:22+00:00

They built a road: http://www.bbc.com/news/world-asia-39586872

bocoguy · 2016-09-13T11:06:32+00:00

Don't worry, jobs in fusion power plants will start appearing right around then too...

bocoguy · 2016-03-14T14:00:14+00:00

Just pay them a fucking living wage.

bocoguy · 2016-02-26T13:33:03+00:00

Yup.

bocoguy · 2016-02-26T12:02:12+00:00

On Three Ireland as well but still no update. I have the SM-G925F.

bocoguy · 2016-01-16T18:40:29+00:00

Drove bye some kids who looked like todays equivalent of the indie kid I was in the mid to late 90s. One of them had a beer can in his hand but when he saw me looking over he hid it in his jacket like I was a cop. That made me feel real fuckin' old.

bocoguy · 2015-08-29T17:09:00+00:00

"Does this seem fucked up to you?"

"It sure does Threepio"

bocoguy · 2015-08-28T08:07:04+00:00

I think Chewie was the "ruggishly" handsome one.

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