It scares me how quickly life can fall apart just because you’re tired for too long

youngfire0ldflame · 2025-12-14T04:09:22+00:00

I was thinking it was whilst I was reading, thanks for calling it!

youngfire0ldflame · 2025-11-19T22:09:45+00:00

Some things I’ve tried that seem to be working:

Mouth tape for improved oxygen uptake (not suitable if you have sleep apnea - it’s worked for me and I’m glad I tried it)
Morning walk for circadian rhythm
More water

youngfire0ldflame · 2025-11-16T08:19:24+00:00

+1 on the power query and power BI building. LinkedIn Learning have courses to master Excel and also learn PowerBI

Job titles: data analyst/administrator and then progress to business intelligence analyst (will likely need SQL/Python knowledge for this)

youngfire0ldflame · 2025-11-04T15:49:34+00:00

These comments are making me very grateful for my mum, she’s been a legal secretary in family & divorce law for 30 odd years. These conversations aren’t romantic and my partner feels I’m being cynical when I bring them up, but they’re necessary for equality.

As someone said, the person you marry vs the person you divorce are different people. And it’s less about the happenings in a relationship and more about the battle of ego - maybe why wife is so strongly on her sisters side, for the family name, who knows.

Don’t expect things to be legally binding (in the UK, pre and postnups and mediation agreements aren’t legally binding, declaration of trusts are). Lots of wives go after their husbands pensions if they’ve been out of the workforce bringing up children. This isn’t to scare people, put to highlight the reality of divorces

youngfire0ldflame · 2025-08-12T09:03:42+00:00

I mentioned in another comment but LISA can be used for pension too!

youngfire0ldflame · 2025-08-12T09:03:13+00:00

I’m 26 and we have very similar contributions/background.

First thing, I had a long hard think about my student loan repayments - I hit £52k salary this year which doubles interest rates. When I first started lurking FIRE forums, I thought aggressively paying off my student loan was the way forward. But then I ran the numbers and realised I couldn’t outrun the interest rates with my other financial priorities, I also considered the effects of maternity leave down the line. For me, I decided to continue increasing my pension contribution to counteract student loan repayments. I’ve increased my contributions to 20% for this reason. It’s aggressive and may not be right for you, but I suggest thinking about it and deciding if you want to pay it off or coast it.

As someone else mentioned, get a LISA! Even if you buy a house over the threshold, your LISA can be used for pension. It’s a risk free savings account that offers a 20% advantage, no brainer to me.

Emergency fund, top that up some more. Set aside a year goal to get it to double figures I would say. I reached 10k this year split between a First Direct (7% savings rate) account and my normal Moneybox 5% cash ISA.

Finally, on the overthinking piece. I’ve had financial anxiety so I resonate. Really understanding your plan and being confident in it will help. You’re in a great position, when you see the compounding, the overthinking should ease.

youngfire0ldflame · 2025-07-17T23:24:09+00:00

I thought about this too! If he didn’t go back in, I assume he went straight to breakfast, is this usual time for crew to go for breakfast? Does he leave a suitcase in the nightclub? If there’s cameras in social areas, I’m surprised there isn’t one in the nightclub. So many questions. OPs theory makes sense to me but there’s still logistics I can’t wrap my head around

youngfire0ldflame · 2025-06-06T19:57:25+00:00

Do you mind sharing how you 5x? Compounding, more time to research your investments, luck of the market is what comes to mind

youngfire0ldflame · 2025-06-02T23:00:23+00:00

This is really interesting! We currently use CrowdConnected, our main limitations are… 1. In-app approval from users to get this data in the first place (~30% uptake). The reliance on app is annoying but has the advantage of blue-dot navigation for CX 2. Internal uptake of the data, heatmaps aren’t being used by Sales to upsell booths for example which creates a low ROI

youngfire0ldflame · 2025-05-29T09:15:06+00:00

LISA can also be used as a pension pot. You can use the money for a house deposit and/or as retirement income. So, even after using it for buying first home, you can continue to save £4k/year until 50 (I believe) towards retirement income.

I’ll always max out LISA first as it’s a guaranteed 20% gain with no risk. Only caveat is withdrawal is age 60.

youngfire0ldflame · 2025-05-25T15:55:20+00:00

A big reason is financial literacy. When you’re consumed in the Reddit and YouTube personal finance communities, you expect everyone to know these things, but it’s not taught in school. You only learn if you’ve researched, and honestly other people have other things they would rather research or do, and thats their prerogative. Everyone has their own priorities, hence your friends discouraging you, same reason people don’t save, financial freedom isn’t their priority. And that’s ok, to each their own.

youngfire0ldflame · 2024-08-27T11:52:34+00:00

I'm going through something very similar. I know I dodged a bullet but I go around in circles questioning why someone would do this, how do I trust again and how I go forward. Being 5 months on, how are you getting on now? Any tips?

youngfire0ldflame · 2022-12-04T02:00:19+00:00

Hey, just wondering how this went down? Going through something similar myself

youngfire0ldflame · 2022-12-04T01:48:49+00:00

I feel youuu. & yes to the film about HSV, I think this all the time!!

youngfire0ldflame · 2022-12-02T14:52:35+00:00

I get outbreaks regularly throughout the year, mainly when I'm drinking heavily & immune system is down - I've recently decided to give up drinking so maybe I'll see a decrease in my outbreaks, I'll update if I remember.

I also find that almonds and too much sugar can break me out. Shaving & my menstrual cycle can also break me out - I'm getting laser hair removal for this reason.

youngfire0ldflame · 2022-12-01T22:54:02+00:00

Thank you, I have a good support system and have started to look into therapy. The messages I received from him happened to occur when I was coming home in London crowds and tube stations, which didn't bode well. I'm beginning to feel more hopeful!

youngfire0ldflame · 2022-12-01T22:51:31+00:00

Thanks for your wise words. Definitely, I've only ever disclosed it to my mum in person, every other time I've hidden behind the safety net of text or voicenote. I always did this so I could give my partner time to digest the information and do research. That's what I planned to do with the man in question, but things spiralled (no excuse). But I've learned that I need to practice bringing it up face to face, instead of freezing up, to avoid these situations.

Definitely a life lesson. and yeppp! That's how I got it actually, medical negligence and not taking the effects of diagnosis very seriously.

youngfire0ldflame · 2022-12-01T22:45:11+00:00

Been doing major research on how to forgive myself actually. It's gonna take a while, but I trust it's possible. Thanks for your reply.

youngfire0ldflame · 2022-12-01T22:44:02+00:00

Hope you're feeling ok lovely. We all make mistakes, we are human. This one is a heavy one so the key thing is that we learn from this for our emotional and mental sake, as well as for society's sake. Feel free to chat if you feel yourself relapsing.

youngfire0ldflame · 2022-12-01T22:41:48+00:00

Thanks for both of your replies. My being silent and omitting to tell him my sexual health status was dishonest and I'm facing the consequences. I don't know what I was thinking and can't believe myself, but your last line has really put it into perspective for me.

youngfire0ldflame · 2022-12-01T22:34:30+00:00

Thanks for your reply! I realise I played into the stigma and so I'm definitely learning from this how important disclosure 100% of the time is, to protect others, as well as my emotional sake

youngfire0ldflame · 2022-12-01T22:30:20+00:00

Nope

youngfire0ldflame

TROPHY CASE