Max your LISA — after 1 year you'll have ~£5,600 (incl. bonus). That's 28% of a 10% deposit on a £200k home.
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Emergency fund £3,500
LISA home deposit £20,000
Clear all debt £1,000
S&S ISA first £10k
Investment portfolio £50k
FIRE portfolio £750k
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Check bank balance daily
No-spend day
Pack lunch from home
Log any purchase over £20
Review budget weekly
Read personal finance content
Log monthly to track your progress. Consistent tracking leads to 20–30% more savings.
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AgeUsed in retirement calculations
Base salary (£/yr)Your annual gross
Monthly take-home (£)After all deductions
Income target (£/yr)Your salary goal
Emergency fund target (£)Default: 3 months expenses
Timeline — road to £100k
Now — Age 24 (April 2026)
Foundation: clear debts
Pay off Credit Spring (removes £120/mo), clear overdraft, start emergency fund. Open S&S ISA. Max LISA at £333/mo. Cancel Village Gym + downgrade Monzo Max.
6–12 months — Age 25
Emergency fund complete
£5,000 saved in Marcus/Chase. Begin deploying surplus into index funds. Commission tracking — document wins with revenue numbers for your review.
Year 1–2 — Age 25–26
Salary review + investing habit locked
Request review after 12–18 months with data. Target £45–50k base + commission. Portfolio £12–20k. LISA building toward first home deposit.
Year 2–3 — Age 26–27
Career acceleration
Move to higher-OTE employer if no internal path. Target £55–70k OTE in SaaS/tech sales. Portfolio £25–45k.
Year 4–5 — Age 28–29
£70–90k total, wealth compounding
Senior AE or team lead. ISA portfolio £55–80k. Net worth targeting £100k+.
Year 6–7 — Age 30–31
£100k milestone
Head of Sales, Sales Manager, or top-performing enterprise AE. Portfolio £100–150k. Compound growth doing heavy lifting.
Age 35+
Financial freedom foundation
Investing £900–1,200/mo from 24 = £250–450k+ portfolio by 35. At 7% that compounds to £1M+ by retirement without another penny.
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For guidance only — not financial advice. Always consult a qualified financial adviser before making investment decisions.