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When you earn well above the UK’s top 5%, deciding how much cash to keep on hand can feel tricky. You want to be prepared for unexpected expenses without letting your money sit idle, missing out on growth. For high earners, especially those often called HENRYs (High Earners, Not Rich Yet), balancing cash reserves for emergencies and market chances is key. In this post, I’ll share practical advice on how much cash should HENRYs have, where to keep it, and how to make the most

Gold surprised many investors in 2025 by outperforming the S&P 500, delivering an impressive gain of approximately 65% over the year. This surge caught the attention of young professionals and seasoned investors alike, sparking a debate about whether gold’s momentum will carry into 2026. As someone who closely follows market trends, I want to explore what fueled this remarkable growth and what the price for 2026 might look like. Gold bar on financial chart showing upward tre

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

Plantsea has recently made headlines by raising funds through Republic, the popular equity crowdfunding platform. This move is significant for investors and supporters who have been following the company’s journey. If you want to understand the details of this raise, including the share price and what it means for Plantsea’s future, you’re in the right place. Plantsea's logo Details of Plantsea’s Recent Fundraise Plantsea launched its latest funding round on Republic with a c

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

Many high earners find themselves in a tricky spot: earning well but not yet feeling truly rich. If you’re in this group, you might be wondering how to turn your strong income into lasting wealth by 2026. I’ve been there, and I want to share practical steps that helped me—and can help you—build real financial security in the next few years. This post covers smart ways to grow your savings, invest wisely, and keep your spending in check. We’ll look at how to make the most of y

If you earn over £100,000 a year but don’t yet feel rich, you’re not alone. Many high earners find themselves in this position—earning a solid income but still unsure how to grow their wealth effectively. That’s exactly why I created TheHenry. This website is designed to help high earners, not rich yet , like you, take control of your finances, save smartly, and invest wisely with tax efficiency in mind. Whether you want to build a safety net, plan for early retirement, or si

Saving for retirement can feel overwhelming, especially when you want to make the most of your income while reducing your tax bill. One powerful way to boost your savings is through salary sacrifice into your pension . This method not only helps you build a larger retirement fund but also offers significant tax advantages. In this post, I’ll walk you through how salary sacrifice works, the limits on contributions, the tax savings you can expect, and the potential growth of y

Investing in startups and small businesses can be exciting but risky. For young professionals looking to grow their wealth while supporting new ventures, SEIS and EIS investing offer unique opportunities. These UK government schemes provide tax incentives to encourage investment in early-stage companies. Understanding how they differ, their tax benefits, potential returns, and risks can help you decide which fits your financial goals. Comparing SEIS and EIS investment docume