Your Pension Access Age Is Moving to 57. Here’s Whose Plan It Breaks.
The pension access age rises from 55 to 57 on 6 April 2028. Who it affects, how protected pension ages work, and what it does to an early retirement plan.
15 min read
Pillar
FIRE
Financial independence with the arithmetic left in. What the numbers actually require, what they cost you, and why “retire early” is the least interesting part.
Avoiding Lifestyle Creep: Intentional Spending When Earnings Rise
You earn more and somehow you are no further ahead. That is lifestyle creep, and it is a normal psychological process rather than a failure of character — which is also why willpower is the wrong tool against it.
12 min read
How to FIRE in the UK: The Honest, No-Fluff Guide to Financial Independence
The 4% rule is American. UK data puts the safe withdrawal rate nearer 3.1% over thirty years and 2.4% over fifty — a FIRE number of 32 to 42 times expenses, not 25. Pensions enter Inheritance Tax in 2027.
28 min read