Henry/HNWI

I always dreamed of earning £100k. It felt like a milestone that would bring financial freedom, comfort, and a sense of success. But as 2026 rolls in, I’m starting to question if hitting that six-figure salary is really as great as it sounds. Between rising taxes, creeping inflation, and the cost of living, the reality of earning £100k in the UK today is more complicated than I expected. Let me walk you through what £100k actually means in take-home pay, how inflation and tax

When deciding where to build a career and life, salary is a key factor. But it’s not just about the paycheck. The cost of living, taxes, and job opportunities all shape the real value of your income. Today, I want to compare the financial realities for HENRYs—High Earners, Not Rich Yet—in two global cities: London and New York City. Both cities attract ambitious professionals, but how do their salaries stack up when you factor in living expenses and taxes? Which city offers b

Weddings can quickly become one of the most expensive events in a person's life. For HENRYs the question often isn't just if they can afford a lavish wedding, but how much should you spend to balance dreams with financial sense. With average UK wedding costs rising steadily, it’s crucial to plan a budget that reflects your priorities without causing unnecessary stress. In this post, I’ll walk you through what HENRYs should consider when setting their wedding budget, share i

When it comes to money, many of us wonder if we are on track. How much should you have saved by 25, 30, or 50? What does the average UK saver look like at different ages? And how does this compare to your own net worth and target retirement goals? I’ve explored these questions to give you a clear picture of average savings by age in the UK, with practical insights to help you plan your financial future. Average UK savings by age visualisation How Much Money Should You Have at

High earners, not rich yet (HENRYs), face unique challenges and opportunities when planning their finances. With 2026 approaching, setting clear financial goals can help you build wealth efficiently while maintaining a healthy work-life balance. In this post, I’ll share practical strategies to maximize your ISA and pension contributions, explore the potential of VCT and SEIS funds, and emphasize the importance of taking time off to recharge. These steps will help you secure y

Interest rates in the UK are expected to fall to around 3% by the end of 2026. For high earners with mortgages, this shift raises a common question: is it better to overpay the mortgage or invest the difference? With mortgage rates coming down and stock market uncertainty still present, deciding where to put your extra money can feel tricky. I want to share some insights and practical considerations to help you make a clearer choice. UK suburban house with mortgage sign Under

When it comes to building wealth for the future, many high earners face a common question: should I focus on maxing out my ISAs or prioritizing my pension contributions? Both options offer valuable tax advantages and growth potential, but understanding their differences and benefits can help you make smarter decisions. In this post, I’ll walk you through the key features of ISAs and pensions, highlight how providers like InvestEngine and Penfold can support your goals, and sh

Finding high paying jobs in the UK that offer salaries over £120,000 can feel like searching for a needle in a haystack. Yet, many sectors consistently offer these lucrative opportunities. Whether you’re starting a job search or considering a career change, understanding which roles pay well, where they are located, and what qualifications you need is essential. I’ll walk you through some of the top-paying jobs in the UK, the key areas where these roles are concentrated, and

Earning £147k a year in London sounds like a dream salary. For many HENRYs (High Earners, Not Rich Yet), it feels like the gateway to financial freedom and a comfortable lifestyle. But the reality is far more complicated. Despite the impressive number on your payslip, the tax burden, living expenses, and lifestyle costs in London quickly chip away at your income. This post explores why £147k doesn’t necessarily make you feel rich in London, the tax reality behind it, and prac

Earning £100k a year from side hustles sounds ambitious, especially when juggling a full-time job or other commitments. But with the rise of AI tools like ChatGPT, many wonder if this technology can help turn side projects into serious income streams. Can ChatGPT really guide you to hitting that £100k mark in 2026? Let’s explore practical ways to use ChatGPT for advice, ideas, and support across a wide range of side hustles tailored for the UK market. Using ChatGPT to explore