I’m 34, two kids (1/4). I hope to FIRE at 45. I always saved a lot instinctively but only found out about fire about 2 years ago as my brother is pursuing it. I like my job but it’s super stressful and I want to be able to breakaway. I need £1.8m for my plans to have £5k p/m. I’m lucky enough to have a base of £350k. My wife is on £60k. I have 2 properties £1.3m home with £500k to pay (just remortgaged and locked for 5y at 2.4%) and a rental flat (£600k with £300k to pay - now interest only). I then have £150k across my wife and my S&S ISA largely in Tech/EM funds. £100k in funds outside of ISA wrapper. I then have around £150k in early stage investments. £30k I’m crypto. Currently saving £5k a month which I’m investing outside ISA wrapper. My employer always contributed 10% to my pension. But I never put anything in on top of that. As such I have a pot of c£150k. I now put in the bare minimum given I effectively get no tax benefit from contribution anymore.

Any thoughts/views/critiques on how to structure better? Particularly thinking around pensions and also LISA, which I don’t have.

My calculations lead me to believe I’m on track. Just gotta survive and keep going!

All contributions much appreciated.