Just a slightly cautionary tale and I can’t tell anyone in real life. Hit FI this month but too pension heavy to take any action. I spent a few years almost maxing pension due to tax relief available. Always fill 20k ISA first as this is such a powerful vehicle for FIRE in the UK.
Focus is now on boosting bridge funds. No rush for retirement, happy with employment…but it sure is reassuring to have funds there just in case.
FI number 575k
Pension 340k
ISA 198k
Cash 13k
Crypto 26k
Annual spend 23k (average of last 5yrs).
Age 37, earliest pension access probably 58, likely older.
Never thought I’d hit “FI” so quickly when I started with ~20k assets to my name in 2020.
All investments are in global all cap. Salary ~70k in 2020 and ~100k now.
Cars owned outright. House has small mortgage remaining ~50k, but in no rush to pay it off.