So, I’ve always disliked money. Disliked managing it, the hustle, the bustle, and the idea of debt and credit. All of it completely disinterested me. For that reason, I don’t have credit cards and have only taken jobs that I felt were more soul affirming than money earning.
Last year, my partner got pregnant so I decided to try get a job where I could make a bit more in case my daughter wanted to explore hobbies and so on. However, the job I’ve gotten is insane and I’m feeling very fortunate. My earning potential is essentially uncapped. It’s not gonna be millions but I could be making £100k per year if I wanted.
I want to ensure I can retire comfortably, preferably early if possible. Nothing major, I want a simple life where I can just go into the countryside and bird watch or sketch.
We live within means of our basic salaries and I want to use the extra I make to prep for retirement and give my daughter a good start in life.
Bit about me:
Male, 33
Mortgage of 230k (our only debt)
6 months savings buffer.
The advice I’ve gotten is all over the place, and some guidance would be much appreciated.
Posted by Yue1337
1 Comment
keep it simple, max pension contributions, invest extra in low cost index funds, and avoid lifestyle creep. consistency will matter more than chasing returns