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Start here. Six steps.
You don’t need a finance degree. You need one evening, a calculator and a plan you’ll stick to. Here’s the order I’d do it in.
- 1
Find your gap
Ten minutes with your pension statement and one calculator. You can’t fix what you haven’t measured.
- 2
Know your numbers
Net worth, monthly cash flow, savings rate. Three numbers, one evening.
- 3
Fix the leaks
Emergency fund first, expensive debt gone, fees hunted down.
- 4
Build the machine
A broker, one or two global funds and a standing order. Then hands off. Seriously.
- 5
Earn more
The lever most finance sites forget, probably because nobody earns a commission on it. Raise, side business, own company.
- 6
Plan the exit
Your number, your withdrawal plan, on one page.
Education, not advice. I don’t know your situation, and past returns promise nothing. Check my numbers, then make your own call. You’re a grown-up.