Introduction I’ve loved quotes for a long time and have been collecting quotes that have made an impression on me for at least the last 5 years. I agree with Adam Grant when he said of quotes and aphorisms, “they’re memorable and They give meaning and direction. They spur new thoughts or new actions—or remind us to revisit old ones.” The quotes we love and remember are those that we feel speak directly to us, they transcend the individual context in…
Introduction Buying a house is widely viewed in the UK as part of achieving ‘the dream’, along with getting married and having children, another tick in the box to show you’ve made it. Society’s drive to put buying a home on a pedestal will undoubtedly make this a controversial blog, but I feel it’s needed as there are too few voices providing a balanced view. Personally, I am definitely not immune to society’s idealisation of home buying and it’s something…
PLEASE NOTE: If you haven’t read Part 1 of this piece I recommend you start with that, before reading on, you can find it here. Calculating how to reach your Target income Making calculations years into the future is far from easy, for starters we might all be retired in 30 years with Artificial Intelligence (AI) and robots doing all our work for us. Even without considering massive changes like that, making calculations is harder, a couple of percentage differences in…
Introduction Retirement, it is something which millennials often think is too far away to think or worry about. However, I think about it more than your average millennial because I want to be able to retire early. If you are a millennial in the UK the chances are you won’t be able to receive your national pension until you are at least 70, given most people would have started full time work between the ages of 18 & 22, that…
Introduction There appears to be more recognition than ever of the difficulties first time buyers – the majority of whom are millennials – are having trying to get onto the property ladder. On first glance the Lifetime ISA (LISA), along with the Help to Buy ISA, is just another tool the UK government is using to add at least a little more balance to the system. But in reality, the LISA is more than that. The LISA is also…
Introduction In the modern, connected world there are hundreds, maybe even thousands, of different ways to invest your money inside and outside of the stock market. The aim of this piece is to highlight and deep dive into some of the best alternatives to stock market investment. More than this, the blog will highlight why you should consider these options, and also highlight which options I use myself. I don’t talk about ‘Bricks & Mortar’ investment in this piece because…
Introduction I wanted to focus on this topic given some rather worrying articles & findings which have been coming out in recent months on Millennials and there inability and unwillingness to saving for the future. Whilst many things for us millennials are much better than previous generations; smartphones, noise-cancelling headphones and Netflix to name a few, our prospects of having a comfortable well financed retirement is definitely not one of them. Millennials are being hit by an avalanche of things…