29M, mortgage-free, large savings/pension, partner wants to leave Ireland
Work in a trading/finance role. I won’t give exact income because people either stop reading or turn it into a moral judgement, but assume I’ve had several very high earning years and saved aggressively.
My partner earns a professional salary and I've a very generous pension for my age. We have a fully paid off house with some extra inheritance in the background. So, we've a pretty liquid profile on the back of that.
On paper I’ve “done everything right”. But I feel like after homeownership, the incentives to continue investing just isn't there tax-wise. I am getting pretty exhausted with my job and have been nearly 9 years non stop working abnormally long days with fewer and fewer holidays. Return to office in the past few years and just losing my love for work.
I feel we have enough tax advantaged capital already and it may be time to move somewhere like the UAE. Not solely for tax and investing reasons, but because my PRSA at the moment is enough to sort our retirement even with no more contributions, and we are both big into starting up our own businesses.. and conscious of how different that may become with AI acting as labour for those with capital and liquidity.
My honest take is...
It is easy to be “disciplined” when housing is solved.
It is easy to “stay invested” when you are not one emergency away from selling.
It is easy to “max pension” when you still have cash afterwards.
It is easy to “avoid lifestyle creep” when your basic life is already materially better than most people’s.
It is easy to say “don’t be emotional” when the system has already emotionally protected you.
A lot of what gets praised as financial maturity is just not being under pressure.
My partner wants to move abroad. Better weather, better lifestyle, maybe better for future kids, less of the grey Irish grind. She earns a good but normal salary. I could go remote/step back/change path, but it would almost certainly mean giving up future earning power and maybe slowing down pension/investment growth (but I think at this stage compounding will still do a lot of heavy lifting whether or not I contribute to an Irish retirement account again)
If you’ve already reached financial escape velocity young, is continuing to maximise pension/investments actually rational?
Or is it just fear, status anxiety, and class preservation dressed up as “good personal finance”?
Posted Jun 17, 2026, 1:08 PM UTC