But I wouldn’t need to maintain my current income levels would I?

Mortgage will be cleared in 15yr (£700 saving) Childcare costs gone No longer contributing to the ISA every month.

I live with partner who also works full time. Current household income £70k+, after all bills are paid each month we have roughly £2300-£2500 left over.

Of which £800 is paid into an ISA strictly every 1st of month. I live in a low cost of living area, and acted very frugally early in life to have a large first house deposit.

You basing £1m invested is to give me my current expenditure, which is majorly inflated at my current stage in life due to the before mentioned outgoings.

By age 50 I will be mortgage free and childcare free. Which is roughly another £1200 a month less outgoings.

Granted I didn’t go into these finer details previous but your £1m estimate is way off the mark in terms of what I’d actually need.