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FIRE update

Here I will be posting my stats for the last quarter, developments that have occurred in the past 3 months, my current net worth and how this impacts my earliest FIRE age.

FIRE Q4 2019:


Current Net Worth: £360,038
Change from last Quarter: +£10,348
Earliest Age I can FIRE: 49



  • My S&S ISA pots (including the 2 JISAs) and pension have performed extremely well for the year, roughly up about 25% (on growth not contributions).
  • I have switched my Student Loan payment to Direct Debit, this will run until November 2020 when it will be paid off!
  • The only outstanding debt I have is my mortgage, just under £55k. This is in a fix until 2022 although only costing me £300 a month. I have made the maximum 10% over payments already this year.
  • Major changes at work mean I expect to receive a sizable lump sum in Q2 2020, consisting of the following:
    • Considerable retention payment due to TUPE transfer
    • Tax free share payout on my SIP scheme
    • Bonus
    • Free shares
    • Share dividend paid out in June 2020.


FIRE figures:
Link to calculator here



  • According to my FIRE calculator, the current age I can FIRE is 49
  • However this assumes that my Bridge pot remains the same, which obviously it won't! So I expect this figure to get lower, the more I save.


Net worth trend:




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