Retired — and still paying off the mortgage

[Whorty]

Can I ask how old your wife is?

Same as me. Mid 40's. But she looks younger so I can pretend I have a trophy wife

[Fronttoback]

Same as me. Mid 40's. But she looks younger so I can pretend I have a trophy wife

Sounds good man. All the best with it. Frugal is the way forward.

I bet you split those Viagras in half don't you?

[Paddy]

Same as me. Mid 40's. But she looks younger so I can pretend I have a trophy wife

Is she still ovulating?

[shaunbhoy]

We recon we spend no more than £25k a year today to live. This includes all household bills plus a Europe holiday each year. If we go long haul then add another £10k for that type of holiday. When we retire, we really only need the same but I recon we'll have at least £5k each year more until we reach 67, then when pensions kick in we'll have another 25-30k.

We should be able to do this from 55 (8 years time). Could probably do it now but there would be risks to this as 8 years less earnings, and 200k spent from savings over that 8 years, would put us right on the edge. Plan is to work 50% for the next 8 years - this should cover all our spending over the next 8 years and put a bit extra into the pot.

Coming from not affluent backgrounds we have learnt to save and spend sensibly. Neither of us had money as kids (and hence won't be getting any inheritance from parents) - this has instilled in us never to over borrow and respect money.

We know we are lucky in some ways but we have worked hard and long hours to get where we are today. Plus not having kids has saved us a fortune compered to our breeding friends.

Was that a conscious choice?

[Fronttoback]

Is she still ovulating?

Blimey. That's a bit of a strange question.

It's not funny. So I can't see why you would post it.

[Fronttoback]

Was that a conscious choice?

I cringed when I read that. Do you ask blokes if they shave their balls when you are stood pissing at the pub urinal?

[BrilloPad]

I cringed when I read that. Do you ask blokes if they shave their balls when you are stood pissing at the pub urinal?

Why did you cringe? Perfectly reasonable question.

Personally my twins were planned. The youngest was a mistake(Mrs BP was told by a doctor she was totally infertile and when I went for the snip I was told I had an unusual layout and would need a general anesthetic).

The kids cost me a fortune. However I would not have it any other way.

[Fronttoback]

Why did you cringe? Perfectly reasonable question.

Personally my twins were planned. The youngest was a mistake(Mrs BP was told by a doctor she was totally infertile and when I went for the snip I was told I had an unusual layout and would need a general anesthetic).

The kids cost me a fortune. However I would not have it any other way.

Even for me, this is too much detail!

Fair enough, I will butt out.

[shaunbhoy]

I cringed when I read that.

Well he did raise the matter of kids, and the "breeding friends" comment seemed a little unusual. But please, feel free to carry on cringing.

Do you ask blokes if they shave their balls when you are stood pissing at the pub urinal?

No, but don't let that fact in any way prevent you if that is your inclination.

HTH

[BrilloPad]

Personally I like those pub urinals with 3 sensors where you have to aim balls past the goalkeeper.

Apparently at the last CUK meet up NLyUK got top score....