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David Scothern

@advisoronfire

#Blogger, https://teapaw.org/t.co/6jIuWRzRhx, https://teapaw.org/t.co/DjOp2cJ8iU, #Autistic #FIRE #FinancialFreedom

 Sheffield, England
davidscothern.com
Joined February 2016
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339Media
Photo by David Scothern (@advisoronfire)Photo by David Scothern (@advisoronfire)Photo by David Scothern (@advisoronfire)Photo by David Scothern (@advisoronfire)Photo by David Scothern (@advisoronfire)Photo by David Scothern (@advisoronfire)Photo by David Scothern (@advisoronfire)Photo by David Scothern (@advisoronfire)Photo by David Scothern (@advisoronfire)Photo by David Scothern (@advisoronfire)
Looking back at a good week, with a great start to my new job. Also, the next in my list of crazy conspiracy theories. davidscothern.com/2026/08/30… #retirement #financialindependence #retireearly #investing #financialadvice #conspiracytheories
Part 357: A Good Week - Mortgage Advisor on FIRE.

Part 357: A Good Week - Mortgage Advisor on FIRE.

A positive week with a fresh start at work, plenty of cycling around Sheffield, a huge Sheffield Wednesday win and thoughts on rebuilding confidence.

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New podcast launch, new job starting, and more… davidscothern.com/2026/08/23… #retirement #financialindependence #retireearly #investing #financialadvice
Part 356: Mass Bike Rides, Podcasts, Cat Forts, and More... - Mortgage Advisor on FIRE.

Part 356: Mass Bike Rides, Podcasts, Cat Forts, and More... - Mortgage Advisor on FIRE.

From Sheffield’s massive Dom Whiting cycle rave to the wonderfully bonkers Hollow Earth conspiracy theory, it’s another week of bikes, weird ideas and organised chaos.

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Updates on the new podcast, more financial milestones hit, a new top-ten list, and the eclipse. davidscothern.com/2026/08/16… #retirement #financialindependence #retireearly #investing #financialadvice
Part 355: The Eclipse, and Your FI Number - Mortgage Advisor on FIRE.

Part 355: The Eclipse, and Your FI Number - Mortgage Advisor on FIRE.

A rant about UK heatwaves, climate change denial and why Britain struggles with extreme heat, plus Flat Earth conspiracies and the numbers behind FIRE.

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New role secured, and an exciting update for the future of Mortgage Advisor on FIRE. davidscothern.com/2026/08/09… #retirement #financialindependence #retireearly #investing #financialadvice
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FIFA’s investment disaster, zip lines, bike rides, and all the usual financial updates. davidscothern.com/2026/08/02… #retirement #financialindependence #retireearly #investing #financialadvice
Part 353: Zip Lines and Spending - Mortgage Advisor on FIRE.

Part 353: Zip Lines and Spending - Mortgage Advisor on FIRE.

Why living below your means is the foundation of financial independence, plus my thoughts on FIFA, cycling, and a very brave stuffed rabbit.

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A personal financial milestone hit, thoughts on entitled people, and all the usual updates. davidscothern.com/2026/07/26… #retirement #financialindependence #retireearly #investing #financialadvice
Part 352: Milestones - Mortgage Advisor on FIRE.

Part 352: Milestones - Mortgage Advisor on FIRE.

Seven years after quitting gambling, I reflect on recovery, the mathematics behind casino games, and why the house always wins in the long run.

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A snapped bike pedal, ongoing job search, State Pension changes, strengthen the case for Financial Independence, and the next entry in my countdown of the best financial advice davidscothern.com/2026/07/19… #FIRE #FinancialIndependence #PersonalFinance #StatePension #Investing
Part 351: Pedals and Pensions - Mortgage Advisor on FIRE.

Part 351: Pedals and Pensions - Mortgage Advisor on FIRE.

Could the State Pension age rise to 68 sooner than expected? Here's why Financial Independence matters more than ever, plus my weekly update and top money tips.

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Getting rich slowly, and the week that wouldn’t end. davidscothern.com/2026/06/28… #retirement #financialindependence #retireearly #investing #financialadvice
Part 348: The Week That Wouldn't End - Mortgage Advisor on FIRE.

Part 348: The Week That Wouldn't End - Mortgage Advisor on FIRE.

A personal reflection on the week that wouldn't end: surviving the UK heatwave, enduring two painfully dull England matches, sleeping on a mattress in the living room, and why extreme weather is...

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Eighth place on my Best Financial Advice list, thoughts on job interviews, and my half-year financial update. davidscothern.com/2026/06/21… #retirement #financialindependence #retireearly #investing #financialadvice #jobinterviews
Part 347: Half Year Update - Mortgage Advisor on FIRE.

Part 347: Half Year Update - Mortgage Advisor on FIRE.

A look at my finances six months into 2026, including ISA growth, pension progress, the dramatic demise of Premium Bonds, and why wealth building is usually far more boring than people expect.

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Ninth place on my Best Financial Advice list, some job news, and a few thoughts on Sheffield Wednesday. davidscothern.com/2026/06/14… #retirement #financialindependence #retireearly #investing #financialadvice #sheffieldwednesday #swfc
Part 346: Another One Bites The Dust - Mortgage Advisor on FIRE.

Part 346: Another One Bites The Dust - Mortgage Advisor on FIRE.

Another job change, Sheffield Wednesday's incredible season ticket milestone, the importance of leverage in the workplace, and why avoiding lifestyle inflation could be one of the best financial...

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Traffic cameras, “real crime”, and a new list of the best financial advice. davidscothern.com/2026/06/07… #retirement #financialindependence #retireearly #investing #financialadvice
Part 345: A Good Week and the Best Financial Advice - Mortgage Advisor on FIRE.

Part 345: A Good Week and the Best Financial Advice - Mortgage Advisor on FIRE.

Hello and welcome back to Mortgage Advisor on FIRE.  Weekly Update The weather has been awful for most of the week meaning I’ve not been able to get out as much as I’d have liked. However, we did...

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Thoughts on my recent interview with Sky News, and a look at the Bricks and Minifigs incident. davidscothern.com/2026/05/31… #retirement #financialindependence #retireearly #investing
Part 344: Another Media Appearance - Mortgage Advisor on FIRE.

Part 344: Another Media Appearance - Mortgage Advisor on FIRE.

Following my Sky News interview on the FIRE movement, I reflect on financial independence, mindful spending, and the recent Bricks & Minifigs controversy.

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FI projection updates, the winner of my all time best sci-fi, and more… davidscothern.com/2026/05/24… #retireearly #financialindependence #scifi #retirement
Part 343: Taking Stock - Mortgage Advisor on FIRE.

Part 343: Taking Stock - Mortgage Advisor on FIRE.

Hello and welcome back to Mortgage Advisor on FIRE.  Update The last week was mentally draining, but I managed to get out for some bike rides. Poppy and I continued to find a routine in Oana’s...

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Thoughts on workplace culture, communication, and the runner-up in my best sci-fi list. davidscothern.com/2026/05/17… #retireearly #financialindependence #scifi #retirement #workplaceculture
Part 342: Workplace Culture - Mortgage Advisor on FIRE.

Part 342: Workplace Culture - Mortgage Advisor on FIRE.

Hello and welcome back to Mortgage Advisor on FIRE. This week I talk about workplace culture, and the runner up entry on my best sci-fi list. Update It’s just been myself and Poppy this week as Oana...

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Amazing day to be a #swfc fan. To those crying about the points deduction decision…….
Image from David Scothern (@advisoronfire)
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Emergency prep, number six on the sci-fi list, and the usual financial updates… davidscothern.com/2026/04/05… #investing #scifi #financialindependence #retireearly
Part 336: David doesn't share biscuits... - Mortgage Advisor on FIRE.

Part 336: David doesn't share biscuits... - Mortgage Advisor on FIRE.

Should you stockpile food in the UK? A balanced look at emergency food advice, resilience, and whether stocking up is sensible or subtle fear messaging.

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This week, I talk about the inevitability of retirement. Also, number 7 on my list of best sci-fi shows. davidscothern.com/2026/03/29… #retireearly #financialindependence #scifi #retirement #investing
Part 335: Retirement is Inevitable - Mortgage Advisor on FIRE.

Part 335: Retirement is Inevitable - Mortgage Advisor on FIRE.

Why common retirement planning barriers like affordability, uncertainty, and complexity aren’t excuses to delay—and why starting early matters more than getting it perfect.

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Plans for the new financial year, the economy getting battered by Trump’s stupidity, and number 8 on the best sci-fi of all time… davidscothern.com/2026/03/22… #financialindependence #investing #Trump #IranWar #retireearly #scifi
Part 334: Above and Beyond - Mortgage Advisor on FIRE.

Part 334: Above and Beyond - Mortgage Advisor on FIRE.

Donald Trump’s bluster on Iran and NATO reveals not strength, but insecurity, hypocrisy, and reckless incompetence dressed up as leadership.

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Analysis paralysis, more stupidity from the White House, and the usual financial updates davidscothern.com/2026/03/15… #financialindependence #investing #Trump #IranWar #retireearly #scifi
Part 333: Arrogance and Stupidity - Mortgage Advisor on FIRE.

Part 333: Arrogance and Stupidity - Mortgage Advisor on FIRE.

Bombing campaigns promise decisive results, but history suggests they often create the opposite. A look at arrogance, geopolitics, and the unintended consequences of war.

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Budgeting, Polymarket, and the best science fiction of all time… davidscothern.com/2026/03/08… #mortgage #investing #financialindependence #retireearly #sciencefiction #budgeting
Part 332: Budgeting and Betting on War - Mortgage Advisor on FIRE.

Part 332: Budgeting and Betting on War - Mortgage Advisor on FIRE.

Prediction markets claim to forecast the future, but betting on wars, disasters and political events raises uncomfortable ethical questions about profiteering, insider knowledge and the financialis...

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