ネイティブの英文で英語表現を覚えよう！024 44歳でFIREしても大丈夫かな？
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単語リスト
| キーワード | 発音記号 | 意味 |
|---|---|---|
| renting out | /ˈrentɪŋ aʊt/ | （不動産などを）賃貸する、貸し出す |
| live life | /lɪv laɪf/ | 人生を謳歌する、精一杯生きる |
| flashpacking | /ˈflæʃpækɪŋ/ | 比較的裕福なバックパッカー旅行 |
| built up | /bɪlt ʌp/ | 築き上げた、蓄積した |
| a very good pot | /ə ˈveri ɡʊd pɒt/ | 非常にまとまった金額、かなりの貯蓄 |
| feel past it | /fiːl pæst ɪt/ | 時代遅れに感じる、もう若くないと感じる |
| equities | /ˈekwətiz/ | 株式 |
| golden goose | /ˈɡoʊldən ɡuːs/ | 金の卵を産むガチョウ（貴重な収入源、おいしい事業） |
| GIA | /ˌdʒiː aɪ ˈeɪ/ | General Investment Account（英国の課税対象となる投資口座） |
| let out my current home | /let aʊt maɪ ˈkʌrənt hoʊm/ | 現在の家を賃貸に出す |
| £180pw | /paund wʌn ˈhʌndrəd ˈeɪti pɜːr wɪːk/ | 週あたり180ポンド |
| £2800pm | /paund tuː ˈθaʊzənd ˈeɪt ˈhʌndrəd pɜːr mʌnθ/ | 月あたり2800ポンド |
| in effect | /ɪn ɪˈfekt/ | 事実上、実際には |
| Annex | /ˈænɛks/ | 別館、付属の建物 |
| kitchenette | /ˌkɪtʃɪˈnet/ | 簡易キッチン、小さなキッチン |
| Take Home on £144000 would be £7300 after tax | /teɪk hoʊm ɒn wʌn ˈhʌndrəd ˈfɔːrti fɔːr ˈθaʊzənd wʊd biː ˈsɛvən ˈθriː ˈhʌndrəd ˈɑːftər tæks/ | 144,000ポンドの手取りは、税引きで7,300ポンドになるだろう |
| drip feed £1600pm into my ISA | /drɪp fiːd paund wʌn ˈθaʊzənd sɪks ˈhʌndrəd pɜːr mʌnθ ˈɪntuː maɪ ˈaɪ ɛs eɪ/ | 毎月1600ポンドずつISA（Individual Savings Account、英国の非課税貯蓄口座）に積み立てる |
| albeit | /ɔːlˈbiːɪt/ | ～ではあるが、～にもかかわらず |
FIRE in a few years (44 now)? Income enough?
44 year old male. Divorced, no kids.
My father just passed away and it has left me with a ‘life’s too short’ feeling. I don’t mind the ‘rat race’ to be honest but i’ve slowly been dreaming of just renting out everything I have and then spending 6 months living in Bangkok, then another country, then another. Just live life and experiencing new countries slowly. I love to travel and spend every holiday overseas (backpacking / flashpacking, not luxury).
I’ve worked since the age of 16 (apart from taking a gap year to travel in my 30’s) so I’ve built up what I feel is a very good pot but the temptation is always there to ‘just work another few years and be better off’ (next thing you know you’re 60 and feel past it).
Job: £104k basic, £62k bonus (over achievable).
Pension: £225k (all equities, down hard after recent Trump related events – was probably closer to £270k before). I pay 30% of my salary into pension every month + employer contributions on top. Approx £3k going in each month.
Cash: £20k, emergency fund.
ISA: £65k (lost ISA heavily after some bad investments, now just vanguard funds and top up every year)
GIA: £487k (don’t really want to touch unless for topping up ISA, it’s my golden goose)
NI years: 22 and counting. Currently estimated £180pw state pension.
Home: Worth £1.2m, remaining mortgage of £520k. £2800pm mortgage (recently renewed, so high interest)), also overpay by £750pm.
Home 2: (Dad’s place) Worth £1m, remaining mortgage of £360k. £1500pm mortgage (recently renewed, so high interest).
I could probably let out my current home for £6000 per month. The same with my fathers house as it’s bigger.
So I could ideally be looking at £12000pm rental income minus agency costs, minus £4300pm mortgage and other costs means I could clear maybe £7000 per month; or £84k PA after costs and before tax. This would leave me with enough to live and keep topping up my ISA and pension. While my pension may not be as high as many, in the future renting out my dads house for £6k pm would be an addition to my pension in effect and it’s a large amount.
My dads place has an Annex with its own entrance which I could use for the times where I need a place in the UK. It has a bathroom, kitchenette, its own utility meters, separate council tax, own boiler, etc.
So I have a safety net in terms of a place to stay if needed.
Take Home on £144000 would be £7300 after tax and then £3000 after mortgages. This leaves £3000….which isn’t a lot but I do have a buffer in cash and GIA. I could drip feed £1600pm into my ISA and £1000pm into my pension from my GIA. So there is a big gap. Maybe i’m dreaming but I could survive…I think. It’s a case of not having as much income but having my life back, ‘retire’ early and spend the next 15 years exploring rather than working.
Every few years the mortgages would get lower due to paying them off (interest rates pending), pension would build albeit more slowly.
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- イギリス人で英語と日本語のバイリンガルです！言語が大好きなので、毎日日本語を勉強しています。日本人があまり知らないネイティブ表現を紹介できれば嬉しいです。
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