placebonaut
Bluelighter
- Joined
- Feb 7, 2026
- Messages
- 1,489
not really come across his brother, what's wrong with him?Yes, he was. Not so keen on his brother though...
God have Mercy upon my eyes & ears
is that Ringo Stars brother?!
not really come across his brother, what's wrong with him?Yes, he was. Not so keen on his brother though...
God have Mercy upon my eyes & ears
The guy makes "content" with that Whale, mostly giving sex advice on something called Kick?not really come across his brother, what's wrong with him?
is that Ringo Stars brother?!
not really come across his brother, what's wrong with him?
not really come across his brother, what's wrong with him?
This interview is a quality watch if you fancy a chuckle at some high grade twattery.
edit: roll up a zoot for it. Recommended.
For those not too far away from retirement, this guy creates some really good content.
Seriously challenging the conventional 'work until your state pension age kicks in' societal expectation.
He retired at 50 something, and I know I'll never be that fortunate, nor would I have been planning and considering that anywhere near early enough, to stand a chance of making that possible.
There is no fucking way that I am working until 67 though, or maybe they'll even raise the age for my generation to 68. Fuck that for a game of soldiers!
If the markets continue their incredible rise, I will be able to self finance a retirement several years earlier than 67 or 68.
By some lucky miracle I might be able to retire a few years earlier than 67/68, but I certainly wont be able to fund an extravagant lifestyle. That's not me anyway, so there's no real issue there.
Although I am taking the correct measures to protect against stock market crashes, everything could be ruined if there is a severe and very prolonged market crash, just as I retire.
Protecting against this is a priority.
Not everyone knows about the concept of the average healthy life span in the UK, which is shockingly low, and is around 60 years old before many people start developing serious life limiting health problems.
Yes pure life span expectancy has increased, but healthy life span is shockingly low. This is why it's so important to retire early, if you can. So that you can have the health and energy to make the most of your retirement. Rather than risk retiring at 67/68 or even later, and being in too poor health to be able to enjoy your retirement.
Anyway, here is the man himself, making many really good points, in one of his best videos that I've seen so far.
yeah the thing is people live within their means, I've always been pretty frugal (yorkshire man, long pockets & short arms).You don't actually need anywhere near as much money as that.
The likes of The Times etc publish all this bullshit about people needing at least 34k per year individually for just a minimum standard of living in retirement, which is absolute bollocks. I've never earned that much in my life, and have mostly always got by just fine. Their figure includes things like several holidays per year in The Mediterranean, which sure yeah that would be lovely. But I'll settle for one of those every few years, if I can afford it.
I fully intend to retire early on amounts that are just below the tax threshold, as by principle I refuse to pay tax on my pension, (I've already been fully taxed on that money once, I'm not getting taxed twice on the same money - they can fuck right off) and my finances wont take me over the limits anyway, as long as I do things the right way. At the moment that would mean around 1k per month tax free, (due to the 12.5k tax free annual allowance- (which may be finally be raised out of it's long freeze in the Budget on October 28th) plus 25% tax free money, taking the total to around £1600 per month, which is about the same as my basic working earnings anyway, although I tend to do as much overtime as I can to bump that up, as my basic working week is only 33 hours, and the pay reflects that, without any overtime. There is an opportunity to go full time until Christmas, which I have taken. I am saving like fuck at the moment, to make up for not starting my pension until I turned 50.
Incredibly it could still be mathematically and practically possible for me to retire a few years earlier than 67/68. A lot will depend on what the markets do over the next few years, between now and my desired retirement age / date.
you've got it all worked out haven't you!Fortunately my current workplace pension is the most generous I've ever had, and I'm paying in the full % that I can, and they are matching my extra contributions, plus a lot more besides.
This won't pay out nearly as much if I try to take it before 67, so I'll leave it until then.
Who knows if I'll still be alive by then, but I have to work on the assumption that I will be.
I'm self financing an early retirement plan in a separate personal SIPP.
I have no rent, no mortgage, no kids, not even a cat or dog, (I don't think it's fair on a dog to leave it alone in a house or yard all day, while you're out at work, as most of them crave company and attention, and it's actually selfish and cruel of the people who do this imo) all of which makes things a lot easier financially.
I hope to have either a cat and / or a dog when I retire. I also hope to be mostly substance free. It's my first goal for if / when I reach retirement. It's no good having benzo and kratom dependencies when surgeries are required, meaning going under general anaesthesia, and the benzos will make the propofol extremely dangerous, and the kratom will stop the lower level pain killers (such as codeine and DHC) from working properly.