Part 335: Retirement is Inevitable - Mortgage Advisor on FIRE. Why common retirement planning barriers like affordability, uncertainty, and complexity aren’t excuses to delay—and why starting early matters more than getting it perfect.

This week, I talk about the inevitability of retirement. Also, number 7 on my list of best sci-fi shows.

davidscothern.com/2026/03/29/p...

#retireearly
#financialindependence
#scifi
#retirement
#investing

Did you know Amazon could made you more money than your everyday job?11,826 of our students already retired with our Amazon system -without touching a single product! Is this even real you ask? tinyurl.com/amazondigita...

#sidehustle #makemoneyonline #amazonsidehustle #makemoneyonline #retireearly

Retire on Dividends? These 6 ETFs Could Change Your Financial Future Master the art of Forex trading with Kakiforex.com. Discover expert insights, strategies, and analysis to excel in the currency market

Retire on Dividends? These 6 ETFs Could Change Your Financial Future
www.kakiforex.com/2026/03/reti... #Investing #DividendIncome #PassiveIncome #ETFInvesting #FinancialFreedom #RetireEarly #WealthBuilding

Part 334: Above and Beyond - Mortgage Advisor on FIRE. Donald Trump’s bluster on Iran and NATO reveals not strength, but insecurity, hypocrisy, and reckless incompetence dressed up as leadership.

Plans for the new financial year, the economy getting battered by Trump’s stupidity, and number 8 on the best sci-fi of all time…

davidscothern.com/2026/03/22/p...

#financialindependence
#investing
#Trump
#IranWar
#retireearly
#scifi

Part 333: Arrogance and Stupidity - Mortgage Advisor on FIRE. Bombing campaigns promise decisive results, but history suggests they often create the opposite. A look at arrogance, geopolitics, and the unintended consequences of war.

Analysis paralysis, more stupidity from the White House, and the usual financial updates

davidscothern.com/2026/03/15/p...

#financialindependence
#investing
#Trump
#IranWar
#retireearly
#scifi

Part 332: Budgeting and Betting on War - Mortgage Advisor on FIRE. Prediction markets claim to forecast the future, but betting on wars, disasters and political events raises uncomfortable ethical questions about profiteering, insider knowledge and the financialisati...

Budgeting, Polymarket, and the best science fiction of all time…

davidscothern.com/2026/03/08/p...

#mortgage
#investing
#financialindependence
#retireearly
#sciencefiction
#budgeting

Part 331: Respect is Given. Admiration is Earned. - Mortgage Advisor on FIRE. How could a US–Israel conflict with Iran impact the global economy? From oil price shocks and Strait of Hormuz disruption to inflation, markets and interest rates, here’s what escalation could mean wo...

The economic impact of the Iran crisis, and the difference between respect, admiration, and professionalism.

davidscothern.com/2026/03/01/p...

#mortgage
#investing
#financialindependence
#retireearly

Part 330: More FI Nonsense - Mortgage Advisor on FIRE. Does Financial Independence strip away meaning, or expose how much of our identity we’ve outsourced to work? A cutting reflection on structure, purpose, and life beyond the payslip.

FI nonsense and financial priorities.

davidscothern.com/2026/02/22/p...

#financialindependence
#retireearly
#budget
#investing
#mortgage

Part 328: Lifetime Earnings - Mortgage Advisor on FIRE. Why being an arsehole to workers, professionals, and service staff takes more effort than being decent — and usually leads to worse outcomes, more stress, and friction

Lifetime earnings, investing in cheese, and people making life more difficult.

davidscothern.com/2026/02/08/p...

#financialindependence
#retireearly
#mortgages
#investing
#cheese

Part 327: FI Levers, and a Wednesday Legend - Mortgage Advisor on FIRE. Small changes in spending or withdrawal rate can slash your FIRE number by tens of thousands. A real look at the levers that actually drive financial independence.

A look at three FI levers, a rant about people and cycle lanes, and a tribute to a Sheffield Wednesday legend, Barry Bannan.

davidscothern.com/2026/02/01/p...

#retireearly
#financialindependence
#SWFC
#SheffieldWednesday
#Bannan

Part 327: FI Levers, and a Wednesday Legend - Mortgage Advisor on FIRE. Small changes in spending or withdrawal rate can slash your FIRE number by tens of thousands. A real look at the levers that actually drive financial independence.

A look at three FI levers, a rant about people and cycle lanes, and a tribute to a Sheffield Wednesday legend, Barry Bannan.

davidscothern.com/2026/02/01/p...

#retireearly
#financialindependence
#SWFC
#SheffieldWednesday
#Bannan

Part 326: TACO - Mortgage Advisor on FIRE. Trump Always Chickens Out: from TACO investing to the Greenland fiasco, how political brinkmanship fuels market chaos and rewards the few at the expense of millions.

This week, I look at TACO investing, and look back at a week of training for my new self-employment.

davidscothern.com/2026/01/25/p...

#financialindependence
#retireearly
#investing
#mortgages
#TrumpAlwaysChickensOut

Balanced FIRE Episode 2: Calculate Your FI Number with FinFit’s Retirement Tools
youtu.be/gc0vQ6E04JA

Start your journey today book a free 15-minute consult at www.financialfit.money

#BalancedFIRE #FinancialIndependence #RetireEarly #FIJourney #FinFitCommunity

Balanced FIRE Episode 2: Calculate Your FI Number with FinFit’s Retirement Tools - Teaser
youtu.be/vfCEU8kpVQ8
Want tools to get started? Visit www.financialfit.money for resources.
#BalancedFIRE #FinancialIndependence #RetireEarly #FIJourney

Part 325: Pasta Disaster - Mortgage Advisor on FIRE. Early retirement planning in the UK, real numbers, real trade-offs, and why money choices – from ISAs to meals out – shape the life you’re building.

Thoughts on our FI timeline, a very poor experience at Psalter Sheffield, and a birthday, and a funeral.

davidscothern.com/2026/01/18/p...

#retireearly
#financialindependence
#finedining
#customerservice

Career tip for males:

Smile more :) #careers #job #hustle #money #retireEarly #entrepreneur #grindset #abundance #success #MakeMoneyWorkForYou #GetRich

Stop Living on Autopilot: Design a Life That Actually Fits You
youtu.be/BmE-ttc30W4

#FinFit #FinFitFam #BalancedFIRE #FinancialIndependence #FIREMovement #SlowTravel #LifeByDesign #IntentionalLiving #MoneyConfidence #FinancialWellness #RetireEarly #DesignYourLife #LiveOnPurpose

Part 323: Hold My Cognitive Test Results - Mortgage Advisor on FIRE. From gift cards and “convenience” to Venezuela and Ukraine, this is a blunt look at power, hypocrisy, and who really carries the risk.

Gift cards, reward schemes, and more insanity across the pond.

davidscothern.com/2026/01/04/p...

#financialindependence
#giftcards
#retireearly
#Trump

Blog Post #1: Balanced FIRE: Retire Early Without Sacrificing Joy Balanced FIRE means reaching financial independence and retiring early while still enjoying life—spend intentionally, invest smart, and live joyfully. #BalancedFIRE

www.financialfit.money/balanced-fir...
#BalancedFIRE #FinancialIndependence #FIREMovement #RetireEarly #FinancialFreedom #LiveWithBalance #WealthBuilding #FinancialEducation #PersonalFinance #MoneyTips #FinancialPlanning #SmartMoneyMoves #2026Goals

Part 321: Living Life on Easy Mode - Mortgage Advisor on FIRE. Life isn’t a level playing field. Easy mode vs hard mode, privilege, autism, wealth inequality — plus an unhinged rant about Evri and couriers.

Easy mode or hard mode? How the difficulty setting can impact your life. Also, courier companies that suck.

davidscothern.com/2025/12/21/p...

#financialindependence
#retireearly
#EasyMode

Part 318: FI, Time, and Stars - Mortgage Advisor on FIRE. A reflection on time, the Big Bang, and personal growth—how one moment in Norway sparked my FIRE journey and shaped my path to financial independence.

FI, Time, and Stars.

davidscothern.com/2025/11/30/p...

#financialindependence
#retireearly
#Norway
#Investing
#StarTrek
#LEGO

Part 317: Gym Goblins, Tram Tracks, and Down-Valuations: A Week in the Life - Mortgage Advisor on FIRE. A weekly update covering cycling mishaps, gym etiquette chaos, and the growing issue of mortgage down-valuation in the UK. Includes expert insight on why lenders aren’t undervaluing property for the s...

Down valuations, FSCS increase, and gym goblins.

davidscothern.com/2025/11/23/p...

#financialindependence
#retireearly
#gym

💰 Hitting a $100,000+ is the EASY part…
Staying disciplined enough to not blow it is Hard!

🚫 No luxury cars
🚫 No designer clothes
🚫 No lifestyle creep

👉 Hit the 1M+ net worth by 45 instead of 70!

Watch: linktw.in/PZYQdb

#SixFigureIncome #RetireEarly #MillionaireMindset #FinancialLiteracy

Part 316: Six Years On - Mortgage Advisor on FIRE. Six years into my FIRE journey, I reflect on leaving property behind, choosing a calmer investing strategy, navigating a career change, and what my updated wealth figures reveal about sustainable Fina...

This week, I look back on six years of Mortgage Advisor on FIRE. Also, a look at mortgages from around the world, and a deeper dive into Roko's Basilisk.

davidscothern.com/2025/11/16/p...

#investing
#financialindependence
#retireearly
#mortgages

Part 315: Make It So - Mortgage Advisor on FIRE. Weekly update covering investing in Lego for profit, Avios hacks, Bonfire Night, biking, bad movies, and the ongoing journey to financial independence.

This week, I discuss investing in Lego, the recent Fantastic Four movie, and there are the usual financial updates.

davidscothern.com/2025/11/09/p...

#retireearly
#financialindependence
#Lego
#investing

Part 314: The Tenth Man - Mortgage Advisor on FIRE. Hello and welcome back to Mortgage Advisor on FIRE.  This week I look at mortgages, conveyancing, and the issues around EWS1. Also, The Tenth Man. Weekly Update Of all the weeks I’ve had, that was cer...

Some thoughts on recent issues with conveyancing and EWS1. Also, a look at the concept of The Tenth Man.

davidscothern.com/2025/11/02/p...

#retireearly
#financialindependence
#conveyancing
#mortgages

Retiring early should be the ultimate goal! 💼✨

But to do that, you need to know your FINANCIPATION Number!

✅ Calculate your annual expenses
✅ Multiply that number by 25
✅ Withdraw only 4% a year

That Number = FREEDOM 🕊️

#FinancialFreedom #RetireEarly #WealthMindset #MoneyTips #FreedomFormula

Part 313: Workplace Culture - Mortgage Advisor on FIRE. Discover why honesty and transparency in workplace culture are vital for trust, wellbeing, and performance — and how employers and employees share a duty of care.

Thoughts on workplace culture, some big news at Hillsborough, and the usual financial updates.

davidscothern.com/2025/10/26/p...

#financialindependence
#retireearly
#investing
#swfc
#Chansiri