40k gbp are those top school like Imperial College London,  LSE, etc doing engineering..not sure fir medical. If he spent 60k, maybe doing medical. If kid do well, he will recover ROI 

Anyway at that age, they at peak earning, why quit when you get paid top dollar... so may not necessarily to FIRE. Unless he is really crapped on his fin mgmt, they should have some backup exit plan somewhere

we have different views bro.. no point arguing further
anyway since when did i say im busy? that was the past where i worked my ass off..
i guess you've never had someone hold you by the balls, had money owed to you and couldn't do anything about it, with both hands tied

btw.. would you jump ship for an extra 10k a month to work your ass off further?
or would you rather get 300k?
simple maths bro.. work an extra 2 and a half years with the increment?
or just soldier through a little more and wait for the payout?
even an idiot can answer that

No need for dms, no secret here, basically I'm 80% in US tech stocks, 20% in other stocks with a high beta.

Because I can really take risk and stomach losses, this has paid out for me significantly.

Even if you had 10-20% of your portfolio in meta/nvda/msft/aapl/goog, these sort of returns shouldn't be too surprising.

For others, I do get some deals for local public listed company private placements at 10% discount from market rate or private placements for ipos from my bankers. So those are easy returns for me, but not everyone has access to these deals though

Nope, this is not my exact portfolio, it is just an example. But I would say I made it quite big in tesla and got in heavy palantir at 7-8 recently, but just sold out and waiting to buy back in
I've been in US tech stocks since 2017, but I'm swing trading, not purely dca investing

Well depends. Do you want auto pilot or semi auto? Yes higher returns at lower capital. Like a dream come through for me as it is the ultimate money working very efficiently. But I like autopilot as much as possible. So no choice. Need to collect huge capital to make it fully autopilot.

I am doing both simultaneously. Somewhere done the road I want the dividends only pot to take over. Until then options have to do the heavy lifting. There is no separating them.

The issue is I don't focus on high yield. I focus on low yield and high dividend growth so I need a larger capital for it to one day replace the options income. This is to ensure that
1. No dividend cuts
2. Outrun inflation
3. Outrun any ringgit depreciation

FIRE is NOT necessarily all about being frugal, retire at 30 and live below your means, save and skimp every  penny.

FIRE can also be maximising your earnings potential and retire at 45 instead, build up such a big pot of gold that you no longer need to hustle for every sen and live like a king, travel, enjoy quality live and tick off all your bucket lists