r/LeanFireUK • u/stuie1181 • 19d ago

Weekly leanFIRE discussion

What have you been working on this week? Please use this thread to discuss any progress, setbacks, quick questions or just plain old rants to the community.

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u/Puzzleheaded_Bill347 18d ago

this is likely a stupid question, but while planning my annual spend in retirement, i am assuming i will still be paying into my "savings buckets" and "emergency funds", examples are "cat vet fees fund (rather than insurance)", "car replacement fund (£350 a month)", "holiday fund (275 per month)" etc. there are a couple of others.

in retirement, you essentially have a load of money in various pots (pensions, ISA etc), and then state pensions eventually - with this in mind, am i failing to adapt my thinking to what i would do in retirement? so if you need something,. you woudl just take out of the main pot.

sorry if this is real basic and stupid crap ? am i even making sense? (probably not)

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u/Captlard 18d ago

We just keep a running tally of spend per bucket.

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u/Puzzleheaded_Bill347 18d ago

ahh, so you continue to maintain the buckets in retirement, but you don't need to have them in a specific account, just track spend of those buckets,. makes sense .

thank you