New to FIRE. Read through materials and looking for support.

Hello!

I 33M have started to look through FIRE and long term savings. There’s a lot of supporting materials which are great but I’ve got some questions and looking for advice.

Current position: Salary - £5000 monthly give or take. My partner contributes £370 to a total of £5370 Average spending (covers both myself, my baby and my partner) £3445 per month Left over: £1925 average across the year.

This gives me roughly 45% of income can be put to savings.

However I have allocated this money for the next few years:

I currently owe £34k across credit cards and loans. I will have the credit cards paid off by this June and the loans paid off by Dec 2026 based on current budget. Dec 2027 is where I have earmarked savings for a wedding around £20k

As such I see the next couple years as debt removal and saving for engagement and wedding. I am putting aside £200 a month into Nutmeg.

Tldr I’m seeing 2028 almost as my starting year with a target of saving £1.033m as my 25* retirement rate. I will be 37. My aim will be to max my ISA allowance in stocks and shares and to keep a safer buffer in a cash ISA, but current projections is only a 1/4 of the money I need by the age of 55

Any advice or suggestions?