In my 20s, I wasn’t reckless with money, but I definitely wasn’t running a tight ship either. I knew I’d be earning more over time, so I didn’t overthink it. I did the basics, saved a bit, spent what I wanted, and moved on. It worked – kind of. But a decade later, everything looks […]
If you’ve ever asked whether to prioritise your ISA or your pension, you’ll have seen two things: So here’s my take. What I Actually Use Right Now What I accounts I have and consider ‘active’: On the pension side it has always been through work schemes. In my first job out of uni, I did
Most people think “risk” is about markets going up and down. Stock prices bouncing around. Red numbers. Headlines. But that’s not how I think about it. In my world, risk isn’t volatility. It’s fragility. It’s the chances of your current plan breaking. What puts you on the back foot when life doesn’t go to plan.
Most of my financial habits are pretty boring. We track our expenses every month. I salary sacrifice into my pension so it disappears before I see it. Our investments go into default plans labelled “adventurous” – though if we’re honest, they’re not doing anything especially brave. We sit down once a month and look over
You Don’t Need to Be an Expert — But You Do Need a System Read More »
If you spend long enough in the personal finance world – Reddit, blogs, books, podcasts – you start to notice recurring ideas. Not just advice, but entire belief systems about how money should be used and thought about. These are personal finance philosophies. Frameworks for what a good financial life looks like, and how to
Personal Finance Philosophies: FIRE, Die With Zero & Other Frameworks Read More »
There’s a certain irony to working in private markets, helping structure multi-billion pound funds into niche strategies, only to realise that my own financial life is best run basically on autopilot. No leverage (outside of my mortgage). No exotic bets. No crypto. No market timing. Just regular saving, simple investing and tracking of spending. Basically