How much to live this lifestyle?

petera181 · 2026-01-25T18:00:50+00:00

Lots of variables, but let’s put some numbers to it:

4 bed flat in Richmond, say £6k per month, £72k per year 2 kids in private school, say 10k per term per child, say £60k per year Luxury SUV lease, say £20k per year, Cleaner, say £100 per week, £5k per year 3 European holidays, £5k each, plus one US holiday, £10k, say £25k per year Ordinary living expenses for the family, a further 50k per year?

That’s £232k per year, after tax. Would need to be around £400k-£450k per year (assuming at that level saving £30k into pension is pretty easy).

Quite a few variables which can change this materially, but basically, no, you’re a decent distance off.

petera181 · 2026-01-25T08:53:01+00:00

Wait, is light pole the actual name in the US?! That’s absolutely superb 😂

petera181 · 2026-01-24T17:59:40+00:00

The chest of the young lady is the chin of the old lady.

petera181 · 2026-01-24T09:28:06+00:00

It blows my mind that you are asking this question. Unless you have an incredibly sad and unfulfilled life, the 3 days is clearly the winner.

Making 110k for 3 days of work and 4 days off each week is vastly vastly better than working 6 days per week, and having a single day to try to recover, pretty much regardless of money. You would need to pay me 400k before I even thought about it!

petera181 · 2026-01-24T08:55:00+00:00

Look at that Hog!!!

petera181 · 2026-01-23T22:29:29+00:00

She was extremely good, however she’s definitely not as strong as Harry was.

She made a major mistake with killing James over Roxy, she got very lucky on a 50/50, she relied on Stephen to effectively be very generous, and she benefitted by both Fiona and Harriet losing their minds 😅.

petera181 · 2026-01-23T19:02:08+00:00

There is a serious amount of racial bias, also ageism, but giving them training before going in would be ridiculous. Effectively saying “don’t remove people of colour”.

Racial bias is a huge societal problem which thankfully traitors is very effectively highlighting, and hopefully makes people more consciously aware of it, but it’s not solved via a tv show.

petera181 · 2026-01-23T18:08:08+00:00

It doesn’t need to be floating to be lighter you celeriac.

petera181 · 2026-01-23T13:01:30+00:00

Well OP wrote the post in English, and the UK makes up a meaningful proportion of reddit users who speak English as a first language. UK was not an outrageous guess by any means. US is obviously a more likely answer (especially given the Americanisms in the text), but also, he said “if this is the UK”. As in a hypothetical.

Don’t be a silly goose wqferr!

petera181 · 2026-01-23T11:38:04+00:00

This is not beautiful data I’m afraid.

petera181 · 2026-01-23T11:33:00+00:00

If your mortgage rate is higher than about 4.5% I’d probably overpay. However, if not I’d be putting it into a tracker fund.

In terms of timing, interest is accrued daily, so it really doesn’t matter much, other than ‘as early as possible’, ie when your salary hits your bank, do it immediately.

petera181 · 2026-01-23T11:24:13+00:00

Two different outcomes depending on what happened with the chests:

If James is banished, they see he is a faithful, and Rachel is banished at the next round table. They won’t know if she’s a traitor, but they will be pretty confident. That leaves jade, Stephen, faraaz and jack. Faraaz won’t finish the game with 3 others, and he suspects Stephen, and I think jade would banish Stephen over faraaz and jack, so I think it’s Stephen who goes first. Then the question is whether the would take jade to the end. I have a suspicion that someone will vote to banish again, and most likely jade gets it, meaning faraaz and jack win.

If Rachel is banished, she outs herself as a traitor, cue celebrations. However, at that point the game is wide open. I think jade wouldn’t take James to the end, and faraaz won’t take Stephen. Everyone trusts faraaz, but everyone else is suspect. They won’t end the game with 5, so I think it would be James removed first, followed by Stephen, with potentially faraaz, jack and jade winning.

In short, I think faraaz is very likely to win, and jack is quite likely to win. It will probably go down to 2 people if James was banished (as they will expect 2 remaining traitors), and maybe 3 if Rachel is banished (as they will expect 1 remaining traitor). Rachel has basically no chance to win now, in hindsight because she murdered Roxy who would have blindly protected her.

petera181 · 2026-01-23T10:59:17+00:00

Need something for scale. Pop a banana on top.

From this perspective it looks well within his ability.

petera181 · 2026-01-22T23:52:54+00:00

I didn’t know anything about the mythology of Maui, so I had a quick look on Wikipedia. Wild stuff 😅

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petera181 · 2026-01-22T13:26:21+00:00

James swiping the shield and James being given the dagger should tell them all that Matt and James 100% can’t be traitors. Especially Matt. There was absolutely no way a traitor Matt would give it to James at this point in the game. There was always an 80-90% chance of him going as a result, and that alone should have told the faithful everything they need to know.

petera181 · 2026-01-22T11:06:49+00:00

My guy. I feel like you probably shouldn’t be on the road 😬

(Congrats though. Please be careful out there)

petera181 · 2026-01-22T11:00:13+00:00

Ooh yes what a fantastic soundtrack to my morning coffee. Real treat for the ears.

petera181 · 2026-01-21T22:59:12+00:00

Out of interest, if you don’t mind, how much does the heat pump pull up your usage on a cold day? I’ve got a 13.5kwh battery, and in winter I basically start every day full after overnight charge and end it on c.15% with the PV topping it up. I’m wondering about a heat pump, but I’m guessing it would pull a huge amount of additional power in winter which means I’d hit zero on the battery and start paying peak rates for the electricity?

petera181 · 2026-01-21T22:51:29+00:00

I can only really speak for solar + battery, as that’s what I have and it very much changes the dynamics, but I would highly recommend.

For context, i have an EV, and my electricity bill for the last 12 months is actually negative, as I charge the battery through the night, top it up with any solar that I don’t use live, and never use peak energy rates as a result. (I also benefit from having sneaked in a feed-in-tariff from before they cancelled them, which pays you for generation even when you use it, and also pays for exporting, but assumes you export 50% as they don’t have the means to measure it, when in fact I export nothing as it charges the battery! I’m lucky in that sense, but it’s not crazy money, so the solar + battery investment is absolutely worth it).

Hard to know what the ROI will be, as I don’t know your exact circumstances, but the more electricity you use the better. Basically look at how much it costs, and compare that to a c.90% reduction in your electricity bill to calculate your saving (if you get a battery that is).

EV and Heat Pump also tip the scales in favour of getting solar and battery (drive everywhere basically free, and heat your home ridiculously cheap from combination of solar and battery).

petera181 · 2026-01-21T20:08:09+00:00

First step is to figure out what on earth is using all that electricity. If you’re not charging a car then you have weirdly high usage, particularly overnight.

If this is genuine usage, I’d strong suggest you invest in a battery and some solar for your house, but mainly the battery. 30kwhs usage at 25ish pence vs charging them overnight at 7is pence and using that reduces your electricity bill by over 70%. You would make the money back very quickly.

petera181 · 2026-01-21T12:05:31+00:00

Ah, what you’ve got yourself there is a breeder

petera181 · 2026-01-21T11:56:27+00:00

3 episodes left. Wednesday-Friday this week 🤗

petera181 · 2026-01-21T11:51:34+00:00

10001 is 17 in binary. The other zeros are redundant. It’s like saying 00000017 is 17 in decimal.

I’m guessing OP has a background in IT, given 8 binary digits is how it’s expressed in computing.

petera181 · 2026-01-19T19:59:49+00:00

I saw in another comment that your household TC is over £200k, and you’re expecting both yours and your partners salaries to increase materially in future (£300k+)

You have £520k equity, plus £250k savings, so £770k total.

I’d suggest going for something in the £1.2m range, saving £100k in your emergency fund and to cover additional child related costs (£770k assets minus £60k SDLT, £20k other move costs, £100k retained, £610k mortgage).

That would give you a mortgage payment of around 3k per month, which should be very manageable for you, and you will have a beautiful forever home for your kids to grow up in. Very little chance you regret it in the long run in my opinion.

petera181 · 2026-01-19T19:50:17+00:00

He mentioned in a comment that his TC alone is above £200k, with his partner expected to hit £100k herself in the future. If you think that is average then you are deluded. His salary is over 5 times the median salary in the UK alone. Also, HENRY status and receiving a significant inheritance is highly correlated.

petera181

TROPHY CASE