So after housing, childcare and food, you're spending £4,200/month? Is this a troll? I'm not sure you've tried hard enough to reduce expenses. That is very high

So after housing, childcare and food, you're spending £4,200/month? Is this a troll? I'm not sure you've tried hard enough to reduce expenses. That is very high for someone who wants early retirement. It'd be much quicker if you enlightened us with what you spend it on. And which spectrum are you referring to? People who earn your salaries? A couple in London, both working full time, in good average jobs in London may net around £5,500 month total (£50k/year each, 10% pension contributions). Their mortgage might be £800-1700. Childcare, as you know. Council tax and utilities might be another £250-400, groceries £200-600. £200-400 on public transport. Many families are lucky if they have £1,500 left after all normal expenses.