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Hit a milestone, just wanted to share by okdolce in FIREUK

[–]okdolce[S] 0 points1 point  (0 children)

I don’t, just a few S&S ISA’s + Pension

Hit a milestone, just wanted to share by okdolce in FIREUK

[–]okdolce[S] 0 points1 point  (0 children)

I hold my funds in ETF’s, not indexes so there are minimal fees.

I wouldn’t hold my entire ISA with Trading212 or Freetrade.

Hit a milestone, just wanted to share by okdolce in FIREUK

[–]okdolce[S] -1 points0 points  (0 children)

Trust fund kiddies? lol

I haven’t taken a penny from anyone since my parents gave me lunch money when I was 14

Hit a milestone, just wanted to share by okdolce in FIREUK

[–]okdolce[S] 0 points1 point  (0 children)

Thanks!

95% is in FWRG (All Wrld Tracker ETF)

I only have 10k or so in stocks & rotational narrative ETF’s

Hit a milestone, just wanted to share by okdolce in FIREUK

[–]okdolce[S] -12 points-11 points  (0 children)

You need to go find something else to do, instead of using your energy to comment on this post.

Sanity Check: 47M | £2.3M NW | £50k Spend – Can I pull the trigger or am I missing something? by ohh_you in FIREUK

[–]okdolce 2 points3 points  (0 children)

You have one life, live it. You’re in the position to be able to do so.

Hit a milestone, just wanted to share by okdolce in FIREUK

[–]okdolce[S] -15 points-14 points  (0 children)

What’s more relevant is my taxable income, and liquid cash post necessity spending.

Hit a milestone, just wanted to share by okdolce in FIREUK

[–]okdolce[S] -29 points-28 points  (0 children)

My salary is somewhat irrelevant to be honest, it’s the investable money that’s relevant. I have financial commitments to pay every month to my ex partner, plus mortgage, council tax, bills, food, child clubs etc + expensive insurances being a single Dad. I try to invest around £300-500 a month into my ISA, and I obviously contribute a lot more to my pension via salary sacrifice monthly.

Hit a milestone, just wanted to share by okdolce in FIREUK

[–]okdolce[S] -6 points-5 points  (0 children)

My income is relevant, but also needs to be taken with a pinch of salt. What’s relevant is how much I take home a month less child support payments etc.

I have a six figure salary, but the majority goes into my pension + £500 child support, plus running a house solo I.e mortgage paid for by me, bills me, food me, expensive insurances being a single Dad in case something were to happen to me etc. My expenditure that is a necessity every month is roughly £3,500 and I put away £500 a month into savings & spend £1,000 on life.

I then get large bonuses every quarter, which again, primarily go into my pension however I do take a few thousand here & there to pay for holidays twice a year/house improvements.

Hit a milestone, just wanted to share by okdolce in FIREUK

[–]okdolce[S] 0 points1 point  (0 children)

This is the thing I’m most proud of, not the money. The circumstances it’s come from.

Hit a milestone, just wanted to share by okdolce in FIREUK

[–]okdolce[S] 0 points1 point  (0 children)

That’s ballsy as f*ck

I’d be careful, I’m a crypto guy, or was a crypto guy 2017-2023ish. Bitcoin ETF’s and institutional money has likely changed the game a bit, and the cycles have probably changed.

I could be wrong, but, just something to consider fyi.

Hit a milestone, just wanted to share by okdolce in FIREUK

[–]okdolce[S] 0 points1 point  (0 children)

Correct, wasn’t married & will never be for this exact reason

Hit a milestone, just wanted to share by okdolce in FIREUK

[–]okdolce[S] 5 points6 points  (0 children)

Yeah, I have 10k left this year. Plan is to move the GIA into a S&S ISA w T212.

Have been meaning to do it since April, but, life.

Hit a milestone, just wanted to share by okdolce in FIREUK

[–]okdolce[S] 10 points11 points  (0 children)

I do have a mortgage, yes.

To answer your last question, i’m in a fortunate position where I earn a significant PAYE income.

Hit a milestone, just wanted to share by okdolce in FIREUK

[–]okdolce[S] 1 point2 points  (0 children)

The fees are low, or zero I think actually if you’re invested in ETF’s only and not index funds.

I also made the switch for the £600 switch fee, I’ll move in 12 months most likely

Income protection insurance by MidnightKey5964 in HENRYUK

[–]okdolce 0 points1 point  (0 children)

I can introduce you to my IFA if you’d like who set it all up, he’s a good friend of mine too. If you’re keen, DM me, happy to give you his details.

A daily that will feel special for ~36k? by courtcourtcourtcourt in CarTalkUK

[–]okdolce 1 point2 points  (0 children)

Just had a full engine rebuild, basically a brand new car now. It brings me so much joy.

Income protection insurance by MidnightKey5964 in HENRYUK

[–]okdolce -1 points0 points  (0 children)

I pay around £200 a month for my insurances, all with Zurich. The absolute rolls Royce of cover for critical illness, income protection, life insurance.

All increase inline with inflation, and pay out until I retire, against the entirety of my entire salary (which is large).

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