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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Original poster

Retiring right now

107 replies

Retiringrightnow · 30/08/2025 19:38

I am retiring right now. I have no mortgage or debts and 120k savings. I have index linked pensions that add up to around 40k pa. I have a house that I love in an area that I adore. I live alone with my wee cat. I have 2 kids that I have already helped to buy their own houses. Am i unreasonable feeling insecure?

OP posts:
Original poster
Retiringrightnow · 31/08/2025 20:53

Pedallleur · 31/08/2025 20:51

Is the 40k after or before tax? If after then it's over 2.7k plus per month with another 945 arriving in 2 years. That's 2.7 without leaving the house with more to come. Sounds good unless you have some expensive tastes

Edited

before tax.

OP posts:
Freeme31 · 31/08/2025 20:55

Go for it. You only regret what you don’t do - make it work for you.

ThisTicklishFatball · 31/08/2025 20:56

OP, good for you! Your plans seem solid, and there’s always room for improvement. Take time to enjoy what you love doing. Be mindful of unnecessary expenses, and keep an eye on your bills and taxes to ensure they don’t take more than their fair share from your retirement funds.

Ignore posts from jealous people. If they genuinely cared, they would put in the effort to research and figure out how to plan for a comfortable retirement.

Pedallleur · 31/08/2025 20:56

Retiringrightnow · 31/08/2025 20:53

before tax.

Show quote history

So you'll lose 20% after your personal allowance. Someone else can do the maths. Time and money. 2 things we never have enough of but 1 of them is definitely finite.

Original poster
Retiringrightnow · 31/08/2025 20:58

@ThisTicklishFatball thank you so much. Best wishes.

OP posts:
Original poster
Retiringrightnow · 31/08/2025 21:17

Pedallleur · 31/08/2025 20:56

So you'll lose 20% after your personal allowance. Someone else can do the maths. Time and money. 2 things we never have enough of but 1 of them is definitely finite.

Show quote history

I can obviously do the figures myself

OP posts:
Original poster
Retiringrightnow · 31/08/2025 21:17

Retiringrightnow · 31/08/2025 21:17

I can obviously do the figures myself

Show quote history

They are not complicated.

OP posts:
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