Goals with fire service pension

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2022.01.22 17:37 kknd_cf Goals with fire service pension

Hello all, I need some advice. I will be the first to admit that I am not that financially savvy (but I'm getting better), so please go easy on me (see an earlier post I put on here about opting out of a DB pension).
So I joined the fire service in 2018 and I am 32 now and I have sold to myself the dream of retiring at 55 so that I can do a load of travelling again once my kids are grown. Now that I am on the full wage (we are in probation for the first year) of 31k I thought I would check the projections.
If I retire at 60 it's:
£15975 OR £11981 + £47925 lump sum

55 is:
£10485.39 OR £7864.04 + £31456.17 lump sum
Now I should be starting at a different kind of station in a couple of months with longer shift patterns and higher pay which will give me different projections when I get my October statement. But that kind of station may not work out for me as it's a lot of time away from family. Hopefully I can do it cos more money is always nice ofc. I was going to wait but thought I would give you these projections for a worst case scenario.
I have no desire of going for rank so my career prospects remain stagnant although I am always working on my side business.
I have £1200 in Life Strategy in a Vanguard S+S ISA putting in £100 a month and dug up a pathetic NEST pension of £680 today. We recently bought our first house with a £157k mortgage and after the first year I want to start caning the overpayments in an attempt to pay it off in ten years.
A SIPP wouldn't let me have the money at 55 would it? Should I just aim for buying different funds in my S+S ISA? £20k a year would do me I think without having a mortgage to pay.
I guess my question is, is this even possible or am I basically fucked?
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2022.01.22 17:37 Quanto-Ryo8 Workshop is at it again (Look at the sun)

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2022.01.22 17:37 kaanorkun Piastri dreams of racing in Australian GP - Speedcafe

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2022.01.22 17:37 chardrizzle Makeup/Bb Cream

I'm 41, have oily, sensitive skin and I'm interested in trying a bb cream to wear on the days I go to work to cover my permanent redness which is on most of my face.
I know a bb cream won't completely cover the redness but I don't think I could stand the heaviness of a foundation and I just wouldn't bother with it as I'm used to only wearing mascara. I'm only thinking of trying a bb cream now because I've had some broadband light treatments and I'm not so tomato red now.
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2022.01.22 17:37 Gavin_beast13 This is quite nice

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2022.01.22 17:37 icydata Harkins scores opening goal

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2022.01.22 17:37 harami_manush_69 Ghayal kare Pal Bhar me

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2022.01.22 17:37 nonnulla2 My instrumental album :)

Hi, I am an Italian musician, after a period in which I had abandoned music a bit in the last few weeks I have resumed and recorded an instrumental album that I don't know how to frame in a specific genre, I would say that it has post and math rock influences. I would be very happy to let you listen to it :)
https://nonnulla2.bandcamp.com/album/giove
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2022.01.22 17:37 Ok-Head2970 Just had my ODB Super7 action figure arrive from US, detail on it is sick 👐🏻

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2022.01.22 17:37 Cybergardna You Aint losing till u stop holding

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2022.01.22 17:37 candy1823 I found out recently that cops saw my innerwear photos on a boy's phone. What the hell?

Ugh using a throwaway account because if I used my main, I'd be spammed with atrocious messages.
Anyhow, I had a FWB for a while and he had sensitive pictures of me on his phone (all consented to cuz we were in the pictures together). Anyway he got caught by cops and they went through his phone AND OPENED HIS PRIVATE FOLDER IN THE GALLERY!!!! How is this okay? Then they asked him if I were his girlfriend which i wasn't so he said no.
Going through the phone is one thing but opening a private gallery and actually LOOKING at my bra photos with my face in it. Fuck. I don't know what to do or how to even feel about pathetic old men going through personal photos non consensually. My head just hurts and i feel violated cuz this is definitely not okay.
P.S. - Don't comment under comments saying you should've never clicked those pics cuz I was wearing shorts AND a comfortable bra so please.
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2022.01.22 17:37 Weekly-Coffee-2488 I ate the kfc beyond nuggets last night. I got pretty sick: I got acid reflux, heartburn and a migraine. As a speciesist, I condemn this kind of pain and discomfort.

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2022.01.22 17:37 Hungry_Ad_7282 Can I rinse my hair after dying it?

I just got my hair dyed (bleached and toned a few hours ago) but I hate the feeling of the hairspray making my hair stiff and I heard to not wash it too soon. Is it ok if I just rinse it out with cold water?
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2022.01.22 17:37 TJS0726 thought of a Idea

So this idea has been in my head for a while. What If there were ZOEs that takes the personality and emotions of a Fighter Pilot they have killed. Then you get to fight it or have it as an ally. It would be cool and pretty eerie since It’s essentially an AI plane trying to mimic a human. I have thought of a scenario where an Ace Squadron have all actually died by ZOEs but because they mimic their voices and such other Squadrons wouldn’t be able to tell.
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2022.01.22 17:37 ADreamyNightOwl It's been a month and I still can't find my favourite pair of jeans. Any ideas where else I should look?

So, as the title says, my favourite pair of jeans has been missing for a bit more than a month. I have looked everywhere: my closet, my sister's closet, my parents' closet, I even searched my bedroom at grandparents' house. I can't seem to find them anywhere. I do my laundry at my grandparents' place so it might be lost somewhere bc of it, but I have no idea where they could be. I am starting to panick more and more bc they are litterally the most perfect jeans ever and there are some great outfits that just don't work with other pants I own so now I can't wear them. And I can't buy naother pair bc I didn't buy in the place I live. Do you have any idea where else I could search for them? Idk if this is the right sub to post this, but I have no idea where else to post.
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2022.01.22 17:37 UWCG Arizona Dems Vote To Censure Sinema Over Filibuster

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2022.01.22 17:37 PrusRuslan My oil painting. During the storm. Oil on hardboard. 2022

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2022.01.22 17:37 rustoren Two men take corpse into Irish post office to claim dead man’s pension

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2022.01.22 17:37 lolol81776 How much longer until the advance practice RT becomes a job?

So it’s already a degree, a program, and the first few classes have graduated. Only thing missing is a job and it’s pretty discouraging to see that no momentum has kicked off as someone who really loves RT and wouldn’t mind going for my masters.
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2022.01.22 17:37 MG3000_ My mom's dog is dying and I fear for mom's mental health?

As I exited my local Walgreens, I received a FaceTime call from my mom. She followed up with a text stating it was about our family dog who also served as her service pet. After seeing the state he was in I reached out to my dad, who is divorced from my mom and asked him what to do.
Background info: my mom is really emotionally dependent on this dog. He basically acts as a service dog. She has a chronic illness, went though a bad divorce 2 years ago, and goes through waves of depression. We live in different states but she is staying with family.
When the time comes, how should I help her cope through the grieving process?
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2022.01.22 17:37 SammyMhmm What in God's great glory happened to these macarons?

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2022.01.22 17:37 t3chhy_guy92 [g-shock] white watch

Hello I exchanged a gold bracelet for a couple watches and this is one that I picked up. Got it from the mall.
I saw Eminem wearing one before in an interview and decided to go with it. What y’all think?
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2022.01.22 17:37 IrregardlessIrreden- What if Britain settled the Holy Land?

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2022.01.22 17:37 Kaiq2002 Loan with option to buy not working?

I had raspadori on loan with an option to buy of £17 million however at the end of the loan the club are refusing to accept and want £50 million is there a way to activate the clause that I’m not seeing?
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