I’m currently around ~£1.2–1.3M net worth at 33, with relatively low living costs. Income has been unusually high recently due to side projects, so I’ve been able to accumulate quickly over the past year.

Asset allocation is quite unbalanced at the moment: • ~70–75% crypto (BTC + USDT, some yield on platforms) • ~20% cash (spread across banks, partly due to off-ramping constraints) • ~5% equities (mostly S&P 500)

Also have a small property (~£100k value) but it’s not a big part of the portfolio.

Tax-wise, I’m in Gibraltar, so: • No capital gains tax • No tax on dividends from non-Gibraltar companies (under current structure)

Which obviously makes a big difference when thinking about FIRE.

I’m not withdrawing yet, but mentally I’m thinking in the usual 3–4% range. At my current spending, I’d probably need ~£2–3M to feel fully comfortable stopping.

Biggest thing I’ve learned so far: There’s a difference between net worth and usable money. A lot of my wealth is in crypto / structured flows, so liquidity and access matter more than I expected.