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Polite request for some advice heading into 2025 - 24m newbie here
Author Summary
tp_utv is looking for a male
Post Body

Hi there, Iā€™m sure some of this will be fairly vague as looking to keep this straightforward, but Iā€™m looking for some advice how how best to achieve FIRE given my circumstances as below:

  • 24m working in finance on 68k ( 20-50% bonus and expect base wage to increase in the coming years).
  • 11k in a cash isa.
  • 11k in a workplace pension (just changed jobs so this will likely be left coasting).
  • 12k in a S&S isa.
  • 3k in emergency fund.
  • ~200k mortgage and 90k equity in house in MCOL area (shared with partner).
  • Expenses roughly 1k a month.
  • 3 years of university worth of student loan.

I likely have no large expenses coming up, other than holidays (no more than 2k a year) and potentially getting married (when Iā€™m 30) and thus am looking to try and invest around 2k per month into my personal Isas.

I currently put 5% into my workplace pension as this is matched by my employer, should I be putting in more in order to reduce my taxable income?

Thanks for reading and appreciate the help in advance

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Looking For
a male
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Posted
2 weeks ago