Hi all longtime lurker here
52F single no kids looking for inspo/validation/kick up the arse/perspective shifts?
Just feel like I'm on a treadmill to retirement but I really don't know what it looks like, AUDHD perimenopausal brain and all the challenges they entail means I can barely focus on this week never mind a decade in advance ATM
Steady job I love in emergency services, take home is £2500pcm
£30k outstanding on mortgage , home value £215k I have this on a 5yr fix ,with First Direct over 14 yrs at £250 a month but overpaying every month and my ONE planned thing is to clear it by the time the fix is up.
£3k on 0% bal tfr until May next year, min payment is around £100 on DD and I usually send an extra £100-150 on top
£60k in a bonus rate cash ISA - currently 4.88% this expires next month I count this as my emergency fund and would withdraw if needed
LGPS with 23 years so far ,looks healthy for retirement id like to go earlier than 67 or reduce hours after 60 , the figures look doable
No car payment but approaching 100k miles in a reliable 2016 vehicle
No investments
Being an ex council house kid I've prioritised having my home bought and paid for and shied away from investments as now it's only me post divorce there's no safety net.
I have a reasonable quality of life with good friends, weekends away, at least one European holiday a year (50 was mad with 5 hols Inc NYC hence the credit card balance)
Should I adjust my priorities at 52?