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Original poster

What do you have in savings if you’re in your forties?

145 replies

Wjjayso · 27/12/2025 20:12

Just that really. I have 32k. I have tried to overpay mortgage though so a lot of money goes into that rather than savings. I feel a bit behind and wonder what changes I should try and make coming into the new year!

OP posts:
OneTipsyDreamer · 27/12/2025 20:34

The replies have honestly saved this thread 😂
40 I am also overdrawn and have credit card debt… waheyyyy.

rubyslippers · 27/12/2025 20:33

XenoBitch · 27/12/2025 20:28

My goodness... have you considered cancelling Netflix so you can save a bit extra?

Show quote history

I miss the laugh emoji 🤣

Growlybear83 · 27/12/2025 20:32

I never had a penny in savings and was always a few thousand pounds in debt until I took my pension lump sum about six years ago. It really didn’t ever worry me because we had plenty of credit available on cards and overdrafts if needed.

mindutopia · 27/12/2025 20:32

In my personal savings, about £2k.

We have a family business though so most money sits in the business rather than personal accounts otherwise we have to pay taxes on it.

We overpay our mortgage by £50k each year though, so have at least that that could be released. We are more than comfortable.

Toddlerteaplease · 27/12/2025 20:31

£800, had £2000 before the cat had all her teeth out

Newyearawaits · 27/12/2025 20:29

calminggreen · 27/12/2025 20:17

I always find these kind of threads bragging and smug….lots of people don’t have tens of thousands in savings and that’s pretty normal in this day and age. I’m 43 ….i don’t have any 🙄

This
When I was in my 40s, I had an authorised overdraft and no savings.
Worked full time and more to keep the boat afloat as a single parent.

XenoBitch · 27/12/2025 20:28

DorotheaXYZ · 27/12/2025 20:27

£5 million. Worried I'll never have enough to retire.

My goodness... have you considered cancelling Netflix so you can save a bit extra?

DorotheaXYZ · 27/12/2025 20:27

£5 million. Worried I'll never have enough to retire.

PennyLaneisinmyheartandmysoul · 27/12/2025 20:25

32p :) go me at 41!! Of course dh is entitled to half…

PhilosophicalCheeseSandwich · 27/12/2025 20:25

What do you mean, you feel 'behind'? Are you saving up for something you want to buy soon that costs more than you have in savings?

I'm not going to share my position, because it has no bearing on yours.

Zanatdy · 27/12/2025 20:25

66k (48) but most is a house deposit which i’m purchasing soon.

DrCoconut · 27/12/2025 20:24

About £115 at the moment. There isn't a k missing.

Statsquestion1 · 27/12/2025 20:23

40…personally right now 66k. Mortgage of 400k though.dh also has savings. And we have joint savings. Altogether about 200k. But I know that we are not the norm.

4babiesforever · 27/12/2025 20:23

Arlanymor · 27/12/2025 20:17

Same but I am 46!

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I don’t have any either. I’m 44

XenoBitch · 27/12/2025 20:21

45
I am overdrawn.

Ohreallyreally23 · 27/12/2025 20:20

That's not the point of the OP's post, is it?

I have a similar amount in savings and am almost the same age. Want to know why? Because I lost a parent young. I am not a high earner. I'd much rather have my parent back than my savings, but it is what it is.

OP, mine is just in a savings account at the moment. But I am going to try and pay a chunk off my mortgage again when allow (the deal is up in a year). I'm also going to speak to an IFA about stocks and shares ISA but low risk and also pension advice as I no longer have a work pension as I am now SE.

MaddieJo22 · 27/12/2025 20:19

Too many variables. Do you own your property? What's your pension? What's your LTR? Etc, etc. Sounds boring but without that there's no point in just having a number.

Arlanymor · 27/12/2025 20:17

calminggreen · 27/12/2025 20:17

I always find these kind of threads bragging and smug….lots of people don’t have tens of thousands in savings and that’s pretty normal in this day and age. I’m 43 ….i don’t have any 🙄

Same but I am 46!

calminggreen · 27/12/2025 20:17

I always find these kind of threads bragging and smug….lots of people don’t have tens of thousands in savings and that’s pretty normal in this day and age. I’m 43 ….i don’t have any 🙄

Original poster
Wjjayso · 27/12/2025 20:12

I’m 41

OP posts:
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