Your emergency fund is probably too big â and itâs quietly costing you thousands (maybe even your early retirement). Most âsafeâ advice is actually expensive advice. How I know this... When I first started earning decent money, I got a real kick out of watching my savings account grow.More zeros = richer me. What I didnât realise? All that âsafetyâ was quietly making me poorer.For every ÂŁ10,000 sitting in a UK savings account, inflation quietly steals ~ÂŁ70 in purchasing power per year⌠while...
9 days ago â˘Â 1 min read
Everyone says a 9-5 + kids kills your wealth dreams. What if itâs actually the best setup? In this article, I will prove that your job and family can make you wealthier. A Lifestyle Designed Around a Steady Salary With your 9-5, you have a steady paycheque. You know exactly what youâll be making every month. The wealthiest people use the predictability this brings to their advantage by designing their life around this amount. 50% on essentials (mortgage, bills, food & transport) 30% on...
11 days ago â˘Â 3 min read
Most people earn more every yearâŚyet somehow feel less free. Lifestyle costs rise. Subscriptions pile up. Social pressure increases. And before long, youâre trapped in a cycle of trading time for money with very little to show for it. I know because I used to be there. At 25, Iâd just left university with no real understanding of money, wealth building, or financial freedom. Over the last 10 years, my income, skills, and investments have steadily compounded. Today, I sit at roughly ÂŁ700k net...
25 days ago â˘Â 4 min read