tag:blogger.com,1999:blog-2875915890415125655.post2971043707320644046..comments2023-05-18T10:37:34.608+01:00Comments on <a href="http://www.retirementinvestingtoday.com">Retirement Investing Today</a>: PF101RetirementInvestingTodayhttp://www.blogger.com/profile/03088383743670046657noreply@blogger.comBlogger29125tag:blogger.com,1999:blog-2875915890415125655.post-40350528181299499862019-07-20T11:45:58.121+01:002019-07-20T11:45:58.121+01:00After redundancy and early retirement at 51, I vol... After redundancy and early retirement at 51, I volunteered with my local Citizens Advice.<br /> As an accountant, who had a strong interest in PF (and had built more than sufficient financial resources to be FI and certainly need not need find paid work) I also wondered if this knowledge could be put to use.<br /><br /> It turned out rather differently then I had expected. Many of our clients Alice Holthttps://www.blogger.com/profile/05536727037239148417noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-80513143162711102752019-07-19T17:27:44.259+01:002019-07-19T17:27:44.259+01:00> Does anyone have any recommended reading on f...> Does anyone have any recommended reading on fulfilment or finding a sense of purpose?<br /><br />Know thyself. It's as old as the Delphic Oracle ;)<br /><br />Look to psychology, rather than business. Who are you, what are your values, whom do you serve. You are what you are, not what you do. Seeking purpose in what you do has great hazard. The light has got to shine from within.<br /><erminehttps://simplelivingsomerset.wordpress.comnoreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-81441879474039740762019-07-17T20:58:13.534+01:002019-07-17T20:58:13.534+01:00Hi RIT
Always enjoy your blog posts and reading ...Hi RIT <br /><br />Always enjoy your blog posts and reading about your journey here. <br /><br />The Ikigai concept is great. When you are not in the Ikigai zone in life, it is like pushing one of those shopping trolleys with a wobbly wheel!<br /><br />My employer, where I've worked 20 odd years and now work part time only 2 days a week has been running something they called "wellness Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-24970933167156541412019-07-16T09:40:34.541+01:002019-07-16T09:40:34.541+01:00A few years ago my employer arranged an informatio...A few years ago my employer arranged an information session with a financial advisor from the States. I'm not in the UK and the people at my work place have slightly specialized requirements related to 'Ex-pat' tax status.<br />The presentation was actually quite well targeted for the attendees giving them an overview of different asset classes and products (pensions, mortgages etc.) Haguenoreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-91313653097554223742019-07-16T09:19:39.876+01:002019-07-16T09:19:39.876+01:00Yes. Understand your reticence about the IFA route...Yes. Understand your reticence about the IFA route. <br /><br />It's quite difficult, I think, carving out a niche where you could add the most 'value'. I think with DIY-ers who are already started, your abilities would best be utilized providing quite specialized tax related and situational advice (e.g. SIPP or ISA, lump-sum or annuitize, withdrawal rates etc.) this is the type of Haguenoreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-46734700789681827532019-07-15T21:56:47.590+01:002019-07-15T21:56:47.590+01:00Hi RIT , is it not too easy to find a " tool ...Hi RIT , is it not too easy to find a " tool " that ends up saying what you would quite like to hear ? I have never heard of Ikigai but I have heard of quite a lot of these ( and used them) - <br /><br />https://www.workstyle.io/best-personality-test<br /><br />Might be worth trying a sample of some of these and see what " answers " they come up with for you.<br /><br />It stringvestnoreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-47688555195254507022019-07-15T21:00:22.763+01:002019-07-15T21:00:22.763+01:00Well, the FIRE movement is expanding rapidly at th...Well, the FIRE movement is expanding rapidly at the moment and there's lots of interesting events like this one (https://firehub.eu/event/fire-in-madrid-2019/) - maybe a one option is to just work with people who go to this type of event and need the mentoring and support to keep motivated and to be held more accountable for their plans...<br />Bonus is that you could rove between spending a Gentleman's Family Financeshttps://gentlemansfamilyfinances.wordpress.com/noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-16698571499890673632019-07-15T20:31:05.114+01:002019-07-15T20:31:05.114+01:00Hi RIT, your blog posts are appreciated, and we ne...Hi RIT, your blog posts are appreciated, and we need advice on DIY investing. Of course for this audience free advice is what we are after. Working as for a IFA is an option. ThanksAdamnoreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-76967269004901298162019-07-15T15:56:54.394+01:002019-07-15T15:56:54.394+01:00Hi RIT
Worth getting qualified as a Financial Pla...Hi RIT<br /><br />Worth getting qualified as a Financial Planner?<br /><br />As someone has mentioned already, your blog readership will not be your target audience.<br /><br />I see your target to be among those who don't have debts (aside from mortgage and perhaps car lease), who are actually quite comfortable financially but who may be concerned that they don't know how much is in weeniehttps://www.blogger.com/profile/01602950445306813601noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-79515788615255726962019-07-15T15:01:20.417+01:002019-07-15T15:01:20.417+01:00I'm with you Nick. I'm just so pleased I ...I'm with you Nick. I'm just so pleased I now have the space to go through this. It's brutal but brilliant all at the same time and I wouldn't change it for a second. I'm so excited about every day now and know that what I now have are very first world type problems. <br /><br />I don't for a second claim to have the answers but I'm really enjoying trying to answer RetirementInvestingTodayhttps://www.blogger.com/profile/03088383743670046657noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-56415934316140729552019-07-15T14:55:45.393+01:002019-07-15T14:55:45.393+01:00I've thought about becoming an IFA a few times...I've thought about becoming an IFA a few times over the years. Having interacted with some of them and looked at some job ads over the years selling seems a big part of the role for many. That's of course only relevant if you're working for a company or need fees to feed your family. <br /><br />In my case I'm not sure being an IFA would help me. I'm not trying to compete RetirementInvestingTodayhttps://www.blogger.com/profile/03088383743670046657noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-29855387965514601842019-07-15T14:48:09.548+01:002019-07-15T14:48:09.548+01:00I suspect you may be right Unknown.I suspect you may be right Unknown.RetirementInvestingTodayhttps://www.blogger.com/profile/03088383743670046657noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-60199310251139087462019-07-15T14:46:40.750+01:002019-07-15T14:46:40.750+01:00Definitely not interested in competing with others...Definitely not interested in competing with others in this space. I have absolutely zero interest in selling this type of thing as in this space I think that could be a very slippery slope and it's definitely not something I want to spend my time on. Been there, done that, got the t-shirt.<br /><br />Your idea of helping a few people instead of converting the world is exactly what I'm RetirementInvestingTodayhttps://www.blogger.com/profile/03088383743670046657noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-75779109047731508482019-07-15T14:46:11.027+01:002019-07-15T14:46:11.027+01:00Glad to see you going through this process RIT as ...Glad to see you going through this process RIT as I'm going through the same and have on repeat over the last few years, unable to resolve. <br /><br />Does anyone have any recommended reading on fulfilment or finding a sense of purpose?<br /><br />I can work hard no problem but the time I'm losing to what I see as very often bullshit work is very frustrating (software engineer with a Nickhttps://www.blogger.com/profile/07922272270661378435noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-30469555308744688632019-07-15T14:38:42.114+01:002019-07-15T14:38:42.114+01:00"...they are already likely chasing down that..."...they are already likely chasing down that last fraction of a percent in their SIPP management charges and hanging around the bargain section in Tescos. It may be easier to ask your local geology to dispense haemoglobin than to get a RIT reader to part with a 50 quid note." Love it!<br /><br />You make a good point about problem solving. I think the corporate speak for that is RetirementInvestingTodayhttps://www.blogger.com/profile/03088383743670046657noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-84251722600818474652019-07-15T14:05:46.757+01:002019-07-15T14:05:46.757+01:00If you have the time (and the inclination) would i...If you have the time (and the inclination) would it not be better to get certified as an IFA? Would you be able to, for example, bill per hour, and give good advice rather than be obliged to 'sell' sub-optimal products for commission?<br /><br />Once you have a bit of a reputation (and I expect you would develop one very quickly) you could then use that as a platform to run one-day Haguenoreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-18701179877059669152019-07-15T13:46:07.839+01:002019-07-15T13:46:07.839+01:00How about trying the local adult education service...How about trying the local adult education service, and see if they'd be interested. Our local one offers both evening classes over a number of weeks, but also one off sessions. They'd be also able to provide the facilities, marketing and enrollment, leaving you to just handle the content and delivery.Bsdb3noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-64393132608750292912019-07-14T23:30:42.594+01:002019-07-14T23:30:42.594+01:00People who are interested in this stuff, enough to...People who are interested in this stuff, enough to have found your and other sites don't need help, as once you know how simple it is, you just adjust your life and wait, and wait and wait, then one day you are FI (barring any life upsets). There is very little value you can bring to those who are already in the club.<br /><br />And those who are not in the club will never in a million years Anonymoushttps://www.blogger.com/profile/01398882551978091234noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-14325514009051312092019-07-14T21:48:21.948+01:002019-07-14T21:48:21.948+01:00Maybe team up with a lifecoach, IFA or tax account...Maybe team up with a lifecoach, IFA or tax accountant?Davehttps://www.blogger.com/profile/01876491414363659988noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-36596225162328488532019-07-14T20:52:41.742+01:002019-07-14T20:52:41.742+01:00When I loom at Twitter and LinkedIn there seems to...When I loom at Twitter and LinkedIn there seems to be a lot of people offering the same type of thing - maybe if you go for it you'll find yourself out marketed by others who don't have a best story but do have better patter.<br />I have seen some of these motivational at close quarters and i am not convinced you make a lasting impression so maybe focus on just helping a few people Gentleman's Family Financeshttps://gentlemansfamilyfinances.wordpress.com/noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-67428295354422399962019-07-14T19:10:21.539+01:002019-07-14T19:10:21.539+01:00It sounds interesting, RIT and I'd suggest tha...It sounds interesting, RIT and I'd suggest that your regular readers may not be the audience for it. After all, they are already likely chasing down that last fraction of a percent in their SIPP management charges and hanging around the bargain section in Tescos. It may be easier to ask your local geology to dispense haemoglobin than to get a RIT reader to part with a 50 quid note. <br /><brAnonymousnoreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-24249615664347370192019-07-14T18:54:54.554+01:002019-07-14T18:54:54.554+01:00Many readable short books have been written on the...Many readable short books have been written on the topic. Too many. You wrote one yourself, I'm sure it was a pretty good primer. I worked with someone who retired early and wrote one too. There are also 100s of blogs. Making the information available isn't the issue, try it out yourself with Google.Neverlandnoreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-75216674459666452532019-07-14T18:22:10.768+01:002019-07-14T18:22:10.768+01:00But remember most of your potential audience proba...But remember most of your potential audience probably isn't reading this! Yet. LukeMhttp://fi.lumoco.comnoreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-53339417565964135002019-07-14T16:44:30.260+01:002019-07-14T16:44:30.260+01:00Thanks for the link Felice. I like the quote on t...Thanks for the link Felice. I like the quote on the website "Fail fast and fail cheap, You'll find success much quicker." At the current rate of enthusiasm this idea is going to fail very fast and very cheaply with the total cost being a single blog post...RetirementInvestingTodayhttps://www.blogger.com/profile/03088383743670046657noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-82551046921285685372019-07-14T16:40:15.674+01:002019-07-14T16:40:15.674+01:00You'd think it would be easy wouldn't you ...You'd think it would be easy wouldn't you but I think those of us on the other side maybe underestimate what we actually now know. For example:<br />- why is the grocery bill of the person in front of me far more than mine for similar levels of nutrition;<br />- why does a colleague who retired about the same as my first attempt find himself in the default high'ish expense default RetirementInvestingTodayhttps://www.blogger.com/profile/03088383743670046657noreply@blogger.com