{"id":18129,"date":"2015-08-31T18:59:42","date_gmt":"2015-08-31T17:59:42","guid":{"rendered":"http:\/\/ourtour.co.uk\/home\/?p=18129"},"modified":"2021-06-14T14:50:28","modified_gmt":"2021-06-14T13:50:28","slug":"tipping-point-financially-free-at-43","status":"publish","type":"post","link":"https:\/\/ourtour.co.uk\/home\/tipping-point-financially-free-at-43\/","title":{"rendered":"Tipping Point \u2013 Financially Free at 43"},"content":{"rendered":"<p>This weekend the see-saw tipped and we gently slid off the end into a warm, soapy bath of freedom. I\u2019m sploshing about in this bath as I type, feeling comfortable, but a little unnerved by it all. The best adjective we\u2019ve managed to come up for it between the two of us&nbsp;is <em>weird<\/em>. This isn\u2019t <em>supposed<\/em> to happen until we\u2019re at least 50; more realistically, 55 to 70. I\u2019m 43. Ju is only actually 42, but that didn\u2019t rhyme with \u2018free\u2019. Going off our <a href=\"https:\/\/www.gov.uk\/calculate-state-pension\" target=\"_blank\" rel=\"noopener\">UK state pension age<\/a> of 67, we\u2019ve hit the target 24 years early.<\/p>\n<p><strong>YEAH BABY!!!<\/strong><\/p>\n<p>Ahem. So yes, despite this being a deliberate goal for the past 2 years, and a sort of hazy aspiration for maybe another 5 years before that, it does feel very odd indeed to be sat here typing this. What it means is this: <em>we no longer have to trade our time for money<\/em>. From this point onwards, whether we opt to work or not is up to us.<\/p>\n<p>Smug? No, I don\u2019t think so. We\u2019ve projected out our financial situation over the coming decades using a spreadsheet model, but of course this is only a guestimate of what will happen. We have a beefy emergency fund, but something both dramatic and prolonged could hammer it flat: most likely something health-related, but who knows? We do have the enormous advantage of living in the UK which has state health provision. Again, there\u2019s no guarantee the NHS will endure over the coming decades.<\/p>\n<p>A large part of our freedom has come from reducing our living costs, so while we have money coming in without working it\u2019s not bucket-loads. We\u2019re aiming to live on around \u00a315k per year, if we want to go on an Arctic cruise or something else equally costly, we\u2019ll have to work out how to generate the funds for it.<\/p>\n<p>But sinking back into the bath: we\u2019re in our early 40\u2019s. We have transferable skills in project management, marketing, people management and travel blogging (**wink**). We have energy. We have our eye out for opportunity. If we need to, we\u2019ll find \u2018traditional\u2019 work again, or create jobs for ourselves. The income from this blog for instance, although relatively small is steadily rising through each advert click or purchase through Amazon.<\/p>\n<p>Also, as our money is almost entirely invested in property, share funds and bonds, there is a good chance it will appreciate. Effectively, we may well get slowly get richer, as we sit on the beach. Weird.<\/p>\n<p>Cheers, Jay<\/p>\n","protected":false},"excerpt":{"rendered":"<p>This weekend the see-saw tipped and we gently slid off the end into a warm, soapy bath of freedom. I\u2019m sploshing about in this bath as I type, feeling comfortable, but a little unnerved by it all. The best adjective we\u2019ve managed to come up for it between the two of us&nbsp;is weird. This isn\u2019t [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":28459,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[417,412,415],"tags":[],"class_list":["post-18129","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-motorhome-blog","category-financial-freedom","category-at-home"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Tipping Point \u2013 Financially Free at 43 - Our Tour Motorhome Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ourtour.co.uk\/home\/tipping-point-financially-free-at-43\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Tipping Point \u2013 Financially Free at 43 - Our Tour Motorhome Blog\" \/>\n<meta property=\"og:description\" content=\"This weekend the see-saw tipped and we gently slid off the end into a warm, soapy bath of freedom. 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