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5 things that make a £250k retirement work: start at 4%, a 2-year cash buffer, a written crash rule, fees in pounds, and learn the process. Manage your own money with a method. Part 7/7 of my £250k retirement series. 👉 Want a proper investing process? Link in bio. Capital at risk. Education only, not financial advice. #retirement #investingprocess #investing #ukfinance #alpeshpatel
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The 4% rule was built around a 30-year retirement, and if you're retiring at 40, your money has to last a lot longer. A lot of early retirees plan around 3.25% to 3.5% instead, which means a bigger number. Healthcare is the other big one. If you retire before 65, you have to figure out your own health insurance, and that cost needs to be in your yearly expenses before you multiply by 25. This is also where Barista FIRE shines, since a part-time job can cover insurance and shrink your number at t
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