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Alchemausterity II

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  • apple_muncher
    apple_muncher Posts: 15,415 Forumite
    Part of the Furniture 10,000 Posts Mortgage-free Glee! Name Dropper
    Sorry to hear about dd2. Does she need some time out at home?
    NST March lion #8; NSD ; MFW9/3/23 Whoop Whoop!!!
  • savingholmes
    savingholmes Posts: 29,137 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    HI Alchemilla

    Sorry DD2 is struggling. I often wonder how different our lives would have been if my little family had all been diagnosed early (never mind the extended family pointing fingers and living in denial). I do sometimes think though I would have just swapped problems. Hopefully things will pick up for her. It's a difficult time for all of you and it sounds like you've had various health scares between you all with all the change and uncertainty that represents. Not surprising if things are difficult. The surprise party was probably also exhausting for someone with ASD... and she may just need recuperation time. Sorry if I'm preaching to the choir...
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £169.8K Equity 37.1%
    2) £1.5K Net savings after CCs 11/2/26 (but owed £1.4K) so £2.9K
    3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
    (If took bigger lump sum = 62.7K or 49.2%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £5.2K updated 16/1/26
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