More thoughts about retirement.....
Now that I work in a job that I actually quite like and is manageable I'm not actually too obsessed with early retirement any time soon, but I think the maths of it is still worth keeping an eye on...
Especially in our world in flux, although ironcially that might just mean it's pointless keeping an eye on it because it might all go mega tits up!
So far I've got....
- Base Teacher's Pension = £12K a year (based roughly on my years in the game, NB no where near a full TP!
- State Pension from 68 = £12K a year - actually it's 67 currently but i'm bound ton lose a year, maybe more, but let's work on one year and adjust if necessary.
- = £24K a year...
= £1800 a month...!
Now post mortgage, which for me is dead in five years, assuming I don't go into more mortgage debt, that's JUST about enough to live off!
And then in addition....
i'm currently planning on working for about another 10 years.... until my early 60s, and I'm putting in....
- £2.5k a year IPSA pension, paid on top of my salary, 4 days a week.
- £2.5K SIP
Over 10 years assuming a little growth along the way that =
- £35K employers pension
- £35K into my Sip
- = £70K extra to top up....
If i start draw down in my early 60s that's about another £3K a year until my late 80s.
Other sources of income could be crypto draw down, I think I can rely on £2K a year there....
So that's £29K a year post-mortgage.
That's not insane amounts of money, but it's certainly reasonably comfortable...
I think we're talking a decent lifestyle in the UK, warm, well fed, a couple of holidays a year but nothing too extravagant and enough for few coffees and pastries and beers every now and then, I'll take that, and that's without having to turn myself inside out working like a dog for the rest of my days!
Oh and the secret weapon in the arsenal could be when I keep working after 60 years of age, while claiming the teacher's pension! Every year I do that I could potentially stuff another £10K into the pot!!!
I'm thinking about when I could retire. I'll talk to my pension guy to see what he thinks. The big thing is paying off the mortgage, but investing in solar has cut our monthly bills some more.
Yeah I'm working on that mortgage being paid off quite soon, would love some solar panels!
☝🏾🕳️😂😂⭕🍻🍻📸📸
👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾
Hello everyone I hope you are all good and well today in this post is some of the evidence to prove my case
If you didn't know I've been getting downvoted for a long time on Hive
They have been trying to bully me with downvotes and words but it doesn't affect me I've been online for over 25 years
So I've dealt with people like this before it's nothing new
But what they are doing is bad Very badi joined steemit like everyone else thinking it offers freedom but I must say steemit offered much more freedom than Hive does
Everyone already knows I only post my own original content I have no need to steal anything from anyone
I've been labelled a lot of things on Hive 😂 by the biggest farmers scammers and downvoters
Actions speak louder than any words do especially when them words are coming from a compolsive liars
I will keep updating this post when I get time
https://hive.blog/hive/@ureka.stats/the-untrending-report-hive-downvote-analysis-16-09-2025-20250916181314
https://hive.blog/hivedev/@makerhacks/please-peakd-allow-me-to-completely-block-spammers-would-you-ever-vote-for-this
https://hive.blog/hive-167547/@dlmmqb/re-kgakakillerg-t34wy6
https://hive.blog/hive-170475/@acidyo/re-kgakakillerg-t32sw1
https://hive.blog/hive-167922/@themarkymark/re-kgakakillerg-t30ziu
https://hive.blog/hive/@ureka.stats/the-untrending-report-hive-downvote-analysis-29-09-2025-20250929172045
No downvotes for this racist person 🧐
https://hive.blog/hive-196387/@acidyo/re-kgakakillerg-t41yr6
https://hive.blog/dvs/@dhedge/re-kgakakillerg-t3clz3
https://hive.blog/hive-150329/@kgakakillerg/t3a8fu
https://hive.blog/musical/@steevc/re-kgakakillerg-t2kz1m
To all the downvoters when you stop downvoting me and now you have to bring my rep back because acidyo decided to take it away with the help of @blocktrades and other people who are following acidyos downvotes
Posh Proof Of Scam On Hive 😂
DHF Dirty Hive Fund 😂
Buildawhale buildafarm buildabully 😂😂😂
Actions speak louder than words ☝🏾☝🏾☝🏾☝🏾☝🏾☝🏾😂🤣
👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾
Hello everyone I hope you are all good and well today in this post is some of the evidence to prove my case
If you didn't know I've been getting downvoted for a long time on Hive
They have been trying to bully me with downvotes and words but it doesn't affect me I've been online for over 25 years
So I've dealt with people like this before it's nothing new
But what they are doing is bad Very badi joined steemit like everyone else thinking it offers freedom but I must say steemit offered much more freedom than Hive does
Everyone already knows I only post my own original content I have no need to steal anything from anyone
I've been labelled a lot of things on Hive 😂 by the biggest farmers scammers and downvoters
Actions speak louder than any words do especially when them words are coming from a compolsive liars
I will keep updating this post when I get time
https://hive.blog/hive/@ureka.stats/the-untrending-report-hive-downvote-analysis-16-09-2025-20250916181314
https://hive.blog/hivedev/@makerhacks/please-peakd-allow-me-to-completely-block-spammers-would-you-ever-vote-for-this
https://hive.blog/hive-167547/@dlmmqb/re-kgakakillerg-t34wy6
https://hive.blog/hive-170475/@acidyo/re-kgakakillerg-t32sw1
https://hive.blog/hive-167922/@themarkymark/re-kgakakillerg-t30ziu
https://hive.blog/hive/@ureka.stats/the-untrending-report-hive-downvote-analysis-29-09-2025-20250929172045
No downvotes for this racist person 🧐
https://hive.blog/hive-196387/@acidyo/re-kgakakillerg-t41yr6
https://hive.blog/dvs/@dhedge/re-kgakakillerg-t3clz3
https://hive.blog/hive-150329/@kgakakillerg/t3a8fu
https://hive.blog/musical/@steevc/re-kgakakillerg-t2kz1m
To all the downvoters when you stop downvoting me and now you have to bring my rep back because acidyo decided to take it away with the help of @blocktrades and other people who are following acidyos downvotes
Posh Proof Of Scam On Hive 😂
DHF Dirty Hive Fund 😂
Buildawhale buildafarm buildabully 😂😂😂
Actions speak louder than words ☝🏾☝🏾☝🏾☝🏾☝🏾☝🏾😂🤣
3K a year is great, wish that was my forecast!
Really, I thought you were minted, that's £3K not £30K!
Yes, 3k a month.., I am nowhere near it. Maybe a touch over half unless BTC does something radical.
It seems like you have a good plan there.
I’m 36 years old and would like to retire at 50. Maybe if I keep my investments as they are, I can make it, but I find it hard to think about something happening that soon.
Not a Bad plan, I am planning to do something similar too
£1800 a month is £60 a day which is very good and you could definitely live comfortably. Sometimes we can go by for a few days with spending a penny.
Very true,
These days I am actually quite happy doing some paid work, the key is NOT working with twats then work is just fine!
👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾
Hello everyone I hope you are all good and well today in this post is some of the evidence to prove my case
If you didn't know I've been getting downvoted for a long time on Hive
They have been trying to bully me with downvotes and words but it doesn't affect me I've been online for over 25 years
So I've dealt with people like this before it's nothing new
But what they are doing is bad Very badi joined steemit like everyone else thinking it offers freedom but I must say steemit offered much more freedom than Hive does
Everyone already knows I only post my own original content I have no need to steal anything from anyone
I've been labelled a lot of things on Hive 😂 by the biggest farmers scammers and downvoters
Actions speak louder than any words do especially when them words are coming from a compolsive liars
I will keep updating this post when I get time
https://hive.blog/hive/@ureka.stats/the-untrending-report-hive-downvote-analysis-16-09-2025-20250916181314
https://hive.blog/hivedev/@makerhacks/please-peakd-allow-me-to-completely-block-spammers-would-you-ever-vote-for-this
https://hive.blog/hive-167547/@dlmmqb/re-kgakakillerg-t34wy6
https://hive.blog/hive-170475/@acidyo/re-kgakakillerg-t32sw1
https://hive.blog/hive-167922/@themarkymark/re-kgakakillerg-t30ziu
https://hive.blog/hive/@ureka.stats/the-untrending-report-hive-downvote-analysis-29-09-2025-20250929172045
No downvotes for this racist person 🧐
https://hive.blog/hive-196387/@acidyo/re-kgakakillerg-t41yr6
https://hive.blog/dvs/@dhedge/re-kgakakillerg-t3clz3
https://hive.blog/hive-150329/@kgakakillerg/t3a8fu
https://hive.blog/musical/@steevc/re-kgakakillerg-t2kz1m
To all the downvoters when you stop downvoting me and now you have to bring my rep back because acidyo decided to take it away with the help of @blocktrades and other people who are following acidyos downvotes
Posh Proof Of Scam On Hive 😂
DHF Dirty Hive Fund 😂
Buildawhale buildafarm buildabully 😂😂😂
Actions speak louder than words ☝🏾☝🏾☝🏾☝🏾☝🏾☝🏾😂🤣
☝🏾🕳️🕳️😂⭕🍻📸📸
👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾
Hello everyone I hope you are all good and well today in this post is some of the evidence to prove my case
If you didn't know I've been getting downvoted for a long time on Hive
They have been trying to bully me with downvotes and words but it doesn't affect me I've been online for over 25 years
So I've dealt with people like this before it's nothing new
But what they are doing is bad Very badi joined steemit like everyone else thinking it offers freedom but I must say steemit offered much more freedom than Hive does
Everyone already knows I only post my own original content I have no need to steal anything from anyone
I've been labelled a lot of things on Hive 😂 by the biggest farmers scammers and downvoters
Actions speak louder than any words do especially when them words are coming from a compolsive liars
I will keep updating this post when I get time
https://hive.blog/hive/@ureka.stats/the-untrending-report-hive-downvote-analysis-16-09-2025-20250916181314
https://hive.blog/hivedev/@makerhacks/please-peakd-allow-me-to-completely-block-spammers-would-you-ever-vote-for-this
https://hive.blog/hive-167547/@dlmmqb/re-kgakakillerg-t34wy6
https://hive.blog/hive-170475/@acidyo/re-kgakakillerg-t32sw1
https://hive.blog/hive-167922/@themarkymark/re-kgakakillerg-t30ziu
https://hive.blog/hive/@ureka.stats/the-untrending-report-hive-downvote-analysis-29-09-2025-20250929172045
No downvotes for this racist person 🧐
https://hive.blog/hive-196387/@acidyo/re-kgakakillerg-t41yr6
https://hive.blog/dvs/@dhedge/re-kgakakillerg-t3clz3
https://hive.blog/hive-150329/@kgakakillerg/t3a8fu
https://hive.blog/musical/@steevc/re-kgakakillerg-t2kz1m
To all the downvoters when you stop downvoting me and now you have to bring my rep back because acidyo decided to take it away with the help of @blocktrades and other people who are following acidyos downvotes
Posh Proof Of Scam On Hive 😂
DHF Dirty Hive Fund 😂
Buildawhale buildafarm buildabully 😂😂😂
Actions speak louder than words ☝🏾☝🏾☝🏾☝🏾☝🏾☝🏾😂🤣
I have loan on house but enough resource that can easily pay off it. In next 20 year if I keep earning the same inflation adjusted, I guess I can retire.
!PIZZA
$PIZZA slices delivered:
@r1s2g3(8/10) tipped @revisesociology
Send $PIZZA tips in Discord via tip.cc!
Looking good. I retired six years ago and loving not having to work and just do my own thing whenever I like. Take care and good luck with your plans.
👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾
Hello everyone I hope you are all good and well today in this post is some of the evidence to prove my case
If you didn't know I've been getting downvoted for a long time on Hive
They have been trying to bully me with downvotes and words but it doesn't affect me I've been online for over 25 years
So I've dealt with people like this before it's nothing new
But what they are doing is bad Very badi joined steemit like everyone else thinking it offers freedom but I must say steemit offered much more freedom than Hive does
Everyone already knows I only post my own original content I have no need to steal anything from anyone
I've been labelled a lot of things on Hive 😂 by the biggest farmers scammers and downvoters
Actions speak louder than any words do especially when them words are coming from a compolsive liars
I will keep updating this post when I get time
https://hive.blog/hive/@ureka.stats/the-untrending-report-hive-downvote-analysis-16-09-2025-20250916181314
https://hive.blog/hivedev/@makerhacks/please-peakd-allow-me-to-completely-block-spammers-would-you-ever-vote-for-this
https://hive.blog/hive-167547/@dlmmqb/re-kgakakillerg-t34wy6
https://hive.blog/hive-170475/@acidyo/re-kgakakillerg-t32sw1
https://hive.blog/hive-167922/@themarkymark/re-kgakakillerg-t30ziu
https://hive.blog/hive/@ureka.stats/the-untrending-report-hive-downvote-analysis-29-09-2025-20250929172045
No downvotes for this racist person 🧐
https://hive.blog/hive-196387/@acidyo/re-kgakakillerg-t41yr6
https://hive.blog/dvs/@dhedge/re-kgakakillerg-t3clz3
https://hive.blog/hive-150329/@kgakakillerg/t3a8fu
https://hive.blog/musical/@steevc/re-kgakakillerg-t2kz1m
To all the downvoters when you stop downvoting me and now you have to bring my rep back because acidyo decided to take it away with the help of @blocktrades and other people who are following acidyos downvotes
Posh Proof Of Scam On Hive 😂
DHF Dirty Hive Fund 😂
Buildawhale buildafarm buildabully 😂😂😂
Actions speak louder than words ☝🏾☝🏾☝🏾☝🏾☝🏾☝🏾😂🤣