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  • savingholmes
    savingholmes Posts: 29,051 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Belated Happy Anniversary.

    Good luck with the sewing project.ย 

    I'd try not to rush on pension as they're unlikely to change everything overnight but then who knows.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 ยฃ202K now ยฃ172.5K Equity 36.11%
    2) ยฃ1.8K Net savings after CCs 13/9/25
    3) Mortgage neutral by 06/30 (AVC ยฃ26.8K + Lump Sums DB ยฃ4.6K + (25% of SIPP 1.2K) = 32.6/ยฃ127.5K target 25.6% 13/9/25
    (If took bigger lump sum = 54.5K or 42.7%)
    4) FI Age 60 income target ยฃ17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
    (If bigger lump sum ยฃ15.8/30K 52.67%)
    5) SIPP ยฃ4.8K updated 13/9/25
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