I started this blog about two years into my FIRE journey at the age of 31 in 2020.

London (UK) has been home since 2015. I work in the financial planning and investment management sector. I am a qualified Chartered Financial Planner and Chartered Wealth Manager but I do not provide any financial advice in this blog. I’ve got a broad experience with all things related to financial planning from working with predominantly wealthy individuals – including wealth accumulation (investing), pensions, protection (insurance), decumulation, tax planning, estate planning and so on.

I live with my gorgeous girlfriend in a small studio in Central London in a one-bed flat in Holloway (Zone 2 in London) and we don’t have any children. My girlfriend works in the mobile gaming industry and is a higher rate taxpayer as well*.

We are relatively frugal and spend circa £1,350 each in most months. Holidays would be an additional £2K annually per person I think. So… that would work out to be roughly £36K p.a. in combined expenditure.

I’m very keen on achieving FIRE or the more appropriate “work optional” status. My girlfriend isn’t that bothered as she loves her job and enjoys it very much. However, both of us squirrel away similar amounts into investments each month.

You can have a look at my Wealth chart to see how I progress on my journey. The figures exclude my girlfriend’s wealth (although I keep track of that too 🙂 in my Google spreadsheet).

I’d like this blog to show my thinking and learning about financial independence, hoping to inspire others to take control of their financial future.

* I must caveat that there is no way in hell that we’d actually pay higher rate tax (i.e. 40%). Everything above the higher rate tax threshold (£50,000 in 2020/21) is going straight into pensions, obviously.