u/JesTer_841

Hi all, not very financially literate. I’m 35 and female, I currently have a pension pot worth £141,141, and between myself and my employer we contribute approximately £970 a month (24% of my basic pay).

I would like to retire at the latest at 62 (current role is quite physical - but would look to change to a more office based role as I age). If I do change to an office based job at my company, the jobs start at a slightly lower salary, but pension contributions are on whole salary, not basic pay (for context my basic is about 13k less than my gross annual income, due to shift pay and overtime - so 13k that I’m not getting the company contributions on).

Hypothetically, if there was zero change between now and retiring at 62, my pot would stand at £455k based off contributions alone. How do you plan for growth without being delusional?

My wife is in the auto-enrol nest pension, with minimal contributions due to a lot lower income. And will also have time off for maternity soon though she only intends on taking 9 months off. So, I’m trying to get a little baseline of where my pension could be at by age 62.

Any advice?

P.s. I’ve tried and tried to encourage my wife to start a sipp, add extra contributions to her nest pension, or even start some basic investing, but she’s quite stubborn and sees that as a problem for later down the road. She is currently doing a part time degree with the OU to better her qualifications, and hopefully she will then be able to change jobs and get a somewhat better income. Bear in mind, I’ve been telling her for over a decade to do a part time OU degree (and/or other qualifications to better herself/income), and she’s only just started, so it’s like talking to a brick wall 🤦‍♀️😂

My wife had IUI in March of this year, which was successful. The fertility clinic gave us an early scan at 8weeks to check everything was okay. When they scanned the left ovary, they said the corpus luteum was large at 42mm.

Today we’ve had our NHS dating scan (baby seems to be fine so far, thankfully). The sonographer mentioned that the left ovary had a simple cyst (measuring 49mm). They made us wait at the hospital to see a midwife, who basically reassured us that it will be monitored, but that there’s nothing to worry about.

Anyone else had anything similar?

Hello all, I’ve posted a few times before now. My wife is 10 weeks, and this is our first child. We have our first midwife appointment next week (it’s at a local family hub…whatever that is).

Is it likely that my wife will have blood tests and have to give a urine sample at this appointment? Sounds silly, I know it’s a lot about mum’s health, and history etc, but my wife wasn’t made aware of any tests at this appointment (or how to prepare - I.e. being hydrated and having a full bladder). Having read other posts in here, most do seem to have blood tests and a urine sample at their first appointment, so just wanted to ask for advice really!

Thanks in advance! 😊