I was not going to write this 4 years of FIRE post but I’ve had a number of requests for it which made me do a little thinking.  In the end I thought it might add a little value as it’s no secret that my FIRE journey has been a roller coaster of ups and downs around the personable side of FIRE with the financial side in hindsight actually being the easy bit.  This is in stark contrast to many of ..read more

2021 has been my third year since I took that initial leap into the FIRE unknown and for me it’s been my biggest year ever for change.  Some good and some not so good.  So with the sun fast setting on 2021 I thought it was time to take stock and write some of this down.  Warning: If you don’t like blog posts that jump around this one may not be for you but if you want to know what FIRE can truly ..read more

Usually at this time of year I publish a year in review which covers a little of the qualitative and a lot of the quantitative.  Given the year we’ve just had, along with quantitative needs now being significantly lessened given the stage of my FIRE life I’m currently in, I feel it’s worthy to flip that weighting as it really has been a year to both remember and to forget.  Additionally and ..read more

I’m not sure if it’s the COVID-19 lockdown affecting me, or whether this is really a thing, but over the past month or so I’ve started to really notice companies stretching their take on integrity.  Maybe I was just in a bubble before but for me if you don’t have integrity I don’t want to be anywhere near you.  Let’s look at a few examples that I’ve personally come across. BT this week ..read more

With us now being only a single working week away from the new UK financial year and the investment world still feeling the impacts of the COVID-19 situation I thought it might be worthwhile sharing a little about how my portfolio and life is changing given where we currently find ourselves. Let's start with what my investing strategy, something I first shared way back in 2009 but wasn’t really ..read more

A chart of the monthly FTSE 100 price looks something like this: Click to enlarge, Monthly FTSE 100 Price This is the chart that you’ll see on all the mainstream media channels and it shows that the FTSE 100 still has about 32% to fall if it’s going to match the worst of the global financial crisis (GFC).  This sounds like a long way until one thinks about a big failing with this type of ..read more

If you were a trader on the financial markets, I’d think that you’ve probably had quite an interesting week.  After all the S&P500 is down 11.5% (an official correction without even going back into the declines of the previous week), our FTSE100 is down 11.1%, the Nikkei225 is down a more modest 9.6% while the ASX200 is down 9.8%. Word on the street is that this has been caused by fear of what ..read more

“Insanity is doing the same thing over and over and expecting different results” – not Albert Einstein as I always thought but actually Rita Mae Brown  2019 represented my first full year of FIRE, albeit with a slip-up back to FI during the year, which was then later corrected.  Despite a lot of my pre-FIRE posts being financial in nature finances actually occupied very little of my mind ..read more

It’s now a little over 8 years ago that I started to build my UK High Yield Portfolio (HYP).  It was a much talked about strategy back in the Motley Fool forum days and today still gets plenty of attention on the Lemon Fool forums today.  I built the portfolio between November 2011 and July 2015 by which time I’d amassed 17 shares across multiple sectors.  That included a token amount of Royal ..read more

I was recently reading a FIRE blog post, from a couple who are still very much deep in the swim phase of the FIRE triathlon, where the post was exploring who in society has the opportunity to FIRE if they so choose.  Of course as many of us FIRE bloggers love a good spreadsheet, the weapon of choice for exploring this was an Excel model and a whole pile of assumptions.  Two of these assumptions ..read more