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A Scottish Sun profile describes how a UK couple, Katie and Alan Donegan, retired in their 30s after accumulating £1 million via the FIRE (Financial Independence, Retire Early) approach.
They saved aggressively—over 50 % of income, eliminated debt, minimised lifestyle inflation—and invested through stocks & shares ISAs, achieving the target of 25× their annual expenditure to apply the 4 % withdrawal rule sustainably.
While emphasising diversification and long‑term risk management, the article warns about market volatility, inflation impacts, and implications for state pensions and benefits.
It illustrates how FIRE principles can inspire better financial planning for UK savers even if full early retirement isn’t the goal.




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