One of the most scary and exciting aspects of this new phase of life is that we want to engineer it so that work is optional.

We are fortunate to have the floor of our Teachers Pensions to fall back on when we hit 55 and then later - unless the government changes things - we’ll hopefully have our State Pensions. The most immediate problem though is the gap between when we stop working full time and the point when we turn 55.

We plan to fund this gap using a combination of all or some of the following:

• Savings
• AirBnB income
• Rental income
• Part-time work

Another key part of the strategy will be to manage our outgoings tightly. After all it’s not what you earn that matters, it’s what you keep 🤞🏻!