The Fat Software Engineer

The Fat Software Engineer Substack centers on a UK-based software engineer's journey towards early retirement, focusing on financial independence strategies, software engineering career growth, side income streams, investment tips, and lifestyle choices conducive to accumulating wealth and achieving FIRE (Financial Independence, Retire Early).

Financial Independence Software Engineering Side Hustles Investment Strategies Career Growth Lifestyle Choices Income Streams Wealth Management

2023: The Year of The Cash ISA

30 implied HN points • 03 May 23

Consider opening a Cash ISA with a good interest rate if you might need the money in less than 5 years.
Research different options and banks to find the best interest rate for a Cash ISA.
Understand that with high inflation, even with a 3.4% interest rate, the buying power of money in a Cash ISA can still decrease.

Six Figures Ain't What it Used to Be

30 implied HN points • 24 May 23

💰 Finance Salary Taxation Economy Inflation Wealth

If you aim for wealth, you need to aim higher than just six figures.
The cost of living has gone up significantly, making a six-figure salary less impactful.
Tax bands are frozen, stealthily increasing taxes, but there's hope with predicted drops in interest rates and energy costs.

Do the Wealthy have a Role to Play in Reducing Inflation?

20 implied HN points • 12 Jul 23

💰 Finance Inflation Wealth Government Policy Wealth Inequality

To reduce inflation, we need to increase supply or decrease demand.
Wealthy individuals can theoretically impact inflation by spending less, but it's unlikely many will collaborate on this.
Government policies play a significant role in managing inflation, but current strategies might not be effective.

Luxuries Worth Paying For

20 implied HN points • 30 May 23

💰 Finance Budgeting Investing Health Software Fitness

Saving more than you spend is key to financial independence.
Investing in luxuries that bring happiness is important.
Certain luxuries like cleaner, meal delivery, software, Apple Watch, and gym membership may be worth the cost.

Getting a Pay Rise in the Age of Lay-Offs

10 implied HN points • 06 Jun 23

💼 Business Job security

Plan to grow your salary to reach financial independence.
Work hard, deliver value, and make your manager's job easier to increase chances of a pay rise.
Understanding key projects, regular updates, and presenting accomplishments can help in securing a pay raise.

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