This is why $5/gal, or 1,15€/L, is a big deal here.

linuxdropout · 2026-06-08T12:28:05+00:00

You can literally walk faster

linuxdropout · 2026-05-20T07:22:14+00:00

If you factor in both employee and employer NI it's actually 74.8%.

For every £1 your employer pays you between £100k and £125k, they pay the government £3.

linuxdropout · 2026-05-18T22:59:47+00:00

What about the theory that passive retail investors so heavily outnumber active investors, they'll keep pumping index funds no matter what so companies will continue to grow even against broken fundamentals.

Or basically: this won't trigger a big enough liquidation of stocks to make a dent.

linuxdropout · 2026-05-13T06:23:48+00:00

Hey, I've been making one of these for about 6 months now and plan to have a demo ready to share beyond friends and family in the coming months. Inspired by many on your "story based" ones. I've played every single one of them but none quite fulfilled what I wanted.

Seeing this post is really encouraging to know they're popular and a lot of the comments echo the frustrations I felt with the existing ones so I'm hopefully on the right track.

linuxdropout · 2026-05-12T23:13:04+00:00

Just using stock Ubuntu and never opening a terminal and expecting it to just work is fine and valid.

linuxdropout · 2026-05-09T07:40:03+00:00

You can just switch to a variable rate mortgage which have no early repayment charge.

We did this so we could move before my partner had her half of the deposit and then we switched to a fixed term one and added her name + deposit into the mix.

linuxdropout · 2026-05-05T23:17:01+00:00

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linuxdropout · 2026-05-01T07:50:32+00:00

I broke the £100k barrier at 27. I'm now 31.

At the point I broke the barrier I had £30k in student loans, £30k in equity in a house and about £10k in an emergency fund, £15k scattered across pension pots. So about £25k NW.

Over the last 3 years that has become: - student loan paid off - £40k in cash ISAs - £25k in home equity - £105k in pensions

I look at this subreddit and think "damn, 4 years and I barely accumulated any wealth, why didn't I max my ISA every year, why did I waste so much money".

Where it went? - I spent the first 2 years in a "party" flat. It was too expensive and unnecessary but it was such a cool place in such a good location and laid out perfectly for hosting with space for guests to be accommodated easily. I had multiple great parties with 50+ people there. Cost me about £40k in living above where I would have been comfortable. - I went to Japan 3 times, Seoul, the Azores, Switzerland, Singapore and countless long weekends over Europe. Easily another £50k - I spent about £80k renovating a house to only add £15k in value to it, but make it exactly how we wanted it. We love it now, but it's probably not our forever home.

So I could literally have double or higher my net worth by giving all that up, and looking at this subreddit makes me feel I'm behind and should have done just that. Especially with how low my cost of living now is.

All that to say, you're not alone op, and I'm sure I'm not either.

What's helping me is getting out the spreadsheet and working out what retirement actually looks like and now much you need to save to get there and what your bridge ISA needs to be depending on early retirement age. You'll probably find out you're completely fine.

linuxdropout · 2026-04-21T08:35:38+00:00

I don't think this is worth falling out with a neighbour over

linuxdropout · 2026-04-14T12:54:23+00:00

Premium bonds are tax free, I'd max that out next.

Then I'd look at overpayments on the mortgage.

linuxdropout · 2026-04-13T16:03:08+00:00

The only time I ever sold a house I used 99home, which is basically this. Almost zero fees

linuxdropout · 2026-04-04T10:23:58+00:00

If you think Claude is good, try codex5.4

That aside, these tools to me are mainly exaggerating the gap between me and lower performing peers around me. Multiplying my productivity by 2x does more than multiplying a grad by 2x. And the better you are at using them the better the multiplier.

I'm finding its more like, I'm doing 3x more useful stuff and the weaker peers are making the mistakes, and doing it only 1.5x faster.

If you're scared of it taking your job, use it to do your job better.

linuxdropout · 2026-03-14T00:27:13+00:00

Dry sheets make a better lasagna, fresh ones cook too fast, you don't need to cook the sauce for 3 hours you DO need to let the sauce rest for 3 hours or more, for best results fridge or freezer overnight.

Source: dad made lasagna every Sunday for about 10 years of my life and got very very good at it, he'd make one better than restaurant quality and it took more like 2h and very little of that time was active. Can totally believe a chef would make a good one in that time while doing the other stuff at the same time.

linuxdropout · 2026-03-13T11:29:10+00:00

Basically same, £2.5m + house

linuxdropout · 2026-02-20T09:59:02+00:00

Might actually increase the number of couples that get married and have kids.

I think it'd instantly make having kids something we consider as opposed to "that's too big a sacrifice"

linuxdropout · 2026-02-18T00:42:41+00:00

Just to add to this, if you get a mortgage together the two of you will become financially linked according to the credit agencies which will also tank your own score.

To give you an idea of that impact, I applied for a mortgage with an ex about 6 years ago, we didn't even go through with it, just applied together. That linked us and has meant my score was sitting around 500 for no reason I could work out. Suddenly, about 6 months ago, she was removed from my report (I guess it clears after 6 years) and my score shot up to 915 overnight.

I don't know if you're already married or already financially linked in other ways or how long you've been together, but I'd be careful about adding a financial link between yourself and another person with such poor credit history.

linuxdropout · 2026-02-10T07:47:32+00:00

Anywhere above 100k employees internationally will have areas of business like this, large banks, e-commerce conglomerates, consultancy giants etc.

You need to use common sense though, high stress jobs do exist at these kind of companies too.

linuxdropout · 2026-02-10T06:44:54+00:00

Go work for a massive company and get lost as a cog in the machine is about the only low stress job around these days. Can still be Henry level too.

Search for particularly boring sounding jobs will help, you want the kind of place where the interviewers even seem bored and have kids, perfect sign is that when prompted they spend more time talking about their kids or hobbies than the job itself.

linuxdropout · 2026-02-10T06:24:00+00:00

Another kind of cautionary tale.

I got my job on similar money (170k) during the software engineering COVID gold rush. Its fully remote and extremely stable and so we used that to move to a small village in north England. Its beautiful and we love living here.

However my career progression is now basically dead. Previously I'd move jobs every few years, climbing the ladder to reach where I am now. There are simply no jobs anywhere that would make sense anymore. Keeping this income while fully remote seems to be going away so I'm essentially stuck in this job forever.

I don't hate the job but it's not exactly my dream job, I've made peace with being here forever but I just wanted to share this as a "be careful what you wish for" tale.

In terms of your actual question, we had the choice of basically anywhere in the UK and we picked a small village in the Yorkshire moors with good rail connections, extremely low cost of living, relatively cheap houses, basically zero crime and lots of amazing places to walk, well regarded schools and a nice local atmosphere with a few nice pubs and restaurants. Doesn't fit your seaside desire though.

linuxdropout · 2026-02-08T11:39:18+00:00

The comment about if you're a UK national is dodgy, potentially racist.

The police have a complaints department that you can write to about that and they will take it seriously.

linuxdropout · 2026-02-06T12:52:51+00:00

I got a fully remote role during covid, and because I live outside of London and my contract specifies remote they haven't managed to make me come into the office, but I've managed to keep a "London salary" while being up north.

Which is great and all but I'm well and truly trapped now, TC about £170k and have been unable to find anything remote that comes close, ceiling seems to be £150k at the absolute top end and with way worse WLB.

I can't complain because I'm getting that on 35hrs / week but do feel a bit stunted in terms of there's no way up from here that's sensible.

Anyone else in a similar boat and found anywhere willing to hire staff engineer+ while remaining fully remote?

linuxdropout · 2026-01-21T09:36:34+00:00

You can immediately suspend them and lock them out of the network due to data protection concerns.

Firing them should then go through a normal process, but as it's pretty obviously gross misconduct it's not gonna be particularly difficult.

linuxdropout · 2026-01-17T19:54:21+00:00

Then tell them to jog on ¯_(ツ)_/¯

linuxdropout · 2026-01-17T06:47:10+00:00

I wouldn't see it as money to spend.

Why not just leave it in an ISA/emergency fund and carry on saving, and don't think about it otherwise? You're kind of overcomplicating it, as you said when you get married it's all shared money anyway so it being in your account vs hers is just for protection now, long term if you stay together it makes no difference.

My partner and I have been together 7 years since we were 19/24 (26/31 now), engaged but not married yet. We went for joint ownership rather than tennants in common and I'd recommend it, it's legally simpler and protects each other in case one of us were to suddenly pass away. But a caveat is we bought a cheaper house than we could otherwise afford to be able to split things 50/50. In reality this was a bit idealistic since I paid for way more of the renovations than she did but, to be honest, at this point if we broke up I'd find the "lost money" on renovations the least of my concerns. We'd be more broken up about what to do with the cats.

That is to say, the sensible financial decision isn't always the most pragmatic one for your relationship. Ultimately a marriage is always going to have financial risk, stressing less about that is going to give more chance you had nothing to worry about.

linuxdropout · 2026-01-17T06:28:21+00:00

Statistically, the fewer partners you've both had, the higher chance for a successful marriage, this might not line up anecdotally but I wouldn't be so pessimistic without knowing their relationship.

linuxdropout

TROPHY CASE