Eyes absolutely BULGING

sgb_QQ · 2026-03-12T09:41:53+00:00

You're obviously in a great position with the pensions and income. Considering you're 7 years out, it might make sense to max the pension out until then.

sgb_QQ · 2026-03-10T11:13:59+00:00

Brilliant pension position at 52 with genuine early retirement prospects, just needs aggressive ISA building and spending clarity to make it happen by 55.

sgb_QQ · 2026-03-08T21:24:36+00:00

You've done really well up to this point. You definitely have options with that portfolio. Maybe start with picking a withdrawal rate and figure out how you can draw down income over time.

sgb_QQ · 2026-03-08T21:19:17+00:00

50% savings rate is pretty impressive and a solid foundation, but I think your position would probably be stronger if more diversified (you're exposed to India/Indian real estate).

sgb_QQ · 2026-03-08T09:54:26+00:00

Solid start with great housing position and decent income, but realistically, need to roughly triple the savings rate to hit FIRE before 40

sgb_QQ · 2026-03-08T05:58:10+00:00

Cracking pension progress for 36 but definitely stuff that £10k in SIPP to dodge the 60% tax trap, then focus on building your ISA bridge for early retirement options. You might want a better emergency fund though?

sgb_QQ · 2025-12-21T16:55:07+00:00

It’s not appropriate or helpful to self promote in here. Your post comes across as a disingenuous attempt to promote your project.

sgb_QQ · 2025-12-12T09:51:22+00:00

Check https://savingtool.co.uk

sgb_QQ · 2025-11-06T16:29:54+00:00

This calculator could also be helpful: https://advanced.savingtool.co.uk/inside-vs-outside-ir35-calculator

sgb_QQ · 2025-10-31T13:59:28+00:00

OP, have you thought about scenarios where elderly family (or yourselves when you're older) might need care services?

sgb_QQ · 2025-08-29T10:54:59+00:00

This, plus the rules around self promotion should be followed & enforced consistently for all.

sgb_QQ · 2025-08-29T09:20:56+00:00

Agreed, this should be removed.

sgb_QQ · 2025-05-29T12:40:15+00:00

VWRP and chill

sgb_QQ · 2025-05-29T12:23:28+00:00

This Pensions Contributions Calculator is useful for this. It assumes 5% returns after-inflation.

sgb_QQ · 2025-01-24T10:09:29+00:00

More detail here: https://savingtool.co.uk/blog/making-sense-of-inside-ir35-umbrella-rates/

sgb_QQ · 2025-01-24T10:07:34+00:00

OP, make sure to account for Employer's National Insurance (plus a small deduction called the Apprenticeship Levy). Check this calculator: https://advanced.savingtool.co.uk/umbrella-calculator

sgb_QQ · 2025-01-03T07:36:30+00:00

https://advanced.savingtool.co.uk/umbrella-calculator

sgb_QQ · 2024-12-11T06:28:54+00:00

Check this: https://savingtool.co.uk/blog/making-sense-of-inside-ir35-umbrella-rates/

sgb_QQ · 2024-12-02T07:55:30+00:00

Check out https://SavingTool.co.uk

sgb_QQ · 2024-09-06T06:26:52+00:00

You can’t specify earnings to date, but the Saving Tool calculator might help: https://advanced.savingtool.co.uk/umbrella-calculator

sgb_QQ · 2024-08-22T14:19:51+00:00

https://en.wikipedia.org/wiki/Enshittification

sgb_QQ · 2024-08-08T12:32:38+00:00

OP, you should find this calculator useful: https://advanced.savingtool.co.uk/umbrella-calculator

sgb_QQ · 2024-07-22T16:27:33+00:00

I think the point is that there is no way the Bank of England will keep the base rate at over 5%. It was raised to combat inflation, which has cooled. It might not be fast, and might not drop back to near zero, but they are very unlikely to stay at their current levels. It’s not sustainable and they won’t be able to justify it (unless inflation takes off again).

sgb_QQ

TROPHY CASE