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Learning to walk before I run

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  • savingholmes
    savingholmes Posts: 28,973 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi Ed

    The scythe sounds like it cleared a lot of ground. Well done.

    I think you need to give yourself some recovery time. I'd have kept the income protection (dependent on cost and coverage) and potentially gone off sick for a while to recover. Perhaps talk to a GP about how you are feeling. Can you get free counselling through work?

    You sound like I am sometimes - when everything has to be done now - but sometimes giving yourself breathing room helps. Definitely talk more to your DW and see whether she can carry any more of the financial load. You are pushing yourself very hard.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
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