u/SpaceJkr

So I'm in a period of not working. Reluctant to call it FIREd.

High level my figures are.

ISA £206k

GIA £255k

SIPP £109k

LISA £19k

CRYPTO £73k

My expenses are about £1800p/m

Each year I do a transfer from GIA > ISA (16k) + LISA (4k) + SIPP (2.88k).

I've been selling down the crypto for income but this month did GIA.

CGT already owed this tax year is about £2k. I expect this could be about £4-5k by the end of the tax year.

Cost basis of the crypto is effectively £0.

Currently 43 years old.

The question is -

Should I start drawing down on the ISA, I'm not sure how much tax I'm paying on a £1800 disposal from the GIA, it's probably a few hundred. More if it's the crypto.

Or, is it a clear cut rule to draw down on the GIA and take the hit in CGT. I'm still in the basic tax range. I think I'd move onto the ISA before higher rate, but I don't see that coming.

All non crypto investments are global index funds and mortgage would be cleared in 11 years, currently paying about £750pm

Disposing of the crypto isn't an option at the moment.

I find it fascinating that two lives with the same income can create two different lifestyles.

For many here, hitting a number in investments where you could drawdown a mini wage equivalent, would be considered a huge success. Say £25k per year off a £650k pot.

But, the headspace is completely different. I've been there on min wage and it's the stress of not accumulating any savings and the uncertainty of the future that really ate away at me.

I guess you also have to consider life stage too. Minimum wage and raising a family is tight, where may pick their FIRE time when they no longer have people completely dependant on them. I never had kids.

Does anyone else feel like this? It's strange to be so comfortable with an income that millions of people consider a huge barrier to enjoying life?

Just some ramblings for discussion if anyone is interested.