About

A pseudonymous personal finance blog about one UK household's path to financial independence.

Who's writing this

I'm in my late twenties, live in London, and work in finance. Total comp is north of £200k, which puts me in HENRY / additional-rate / pension-taper territory. I write under a pseudonym so I can still be writing this in five years.

Why this site exists

Most UK personal finance writing aims at the median earner: max your ISA, salary sacrifice down to £100k, hold a global tracker. That's good advice for most people. It also stops being useful the moment your numbers are a bit unusual. The 60% trap, the tapered annual allowance, post-LTA pension math, household planning across two earners, and what to do if you might leave the country are all under-written. That gap is what I want to fill.

The homepage chart is my net worth tracked monthly for the last six years. Posts unpack what's behind the line.

Who it's for

UK readers thinking seriously about FIRE who feel the standard playbook is too coarse for their situation. Mostly higher earners, but anyone interested in the reasoning is welcome.

What to expect

• A monthly update around the start of each month.
• Longer posts on specific levers (ISA setup, pension strategy, property, moving abroad) every few weeks.
• The occasional probability or quant puzzle, kept in its own section.

Not financial advice

Everything here is one person's situation, written honestly. It's not advice, not a recommendation, and not tailored to anyone but me. If something looks wrong from where you're sitting, the contact page is open.