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John , 36


Isas invested in shares and funds, employer pension, residential property


Pay off debts and be financially independent by 55, total return of 7 per cent a year.

<p>Isas invested in shares and funds, employer pension, residential property</p>

John is age 36, and he and his wife's salaries amount to £115,000 a year. Their total income can be as high as £150,000, although this varies considerably from year to year. Their home is worth about £485,000 and has an outstanding mortgage on it of £350,000. They hope to start a family within the next three years.

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