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

London has long been the magnet for high earners, especially those classified as HENRYs—High Earners, Not Rich Yet. These individuals earn substantial incomes but have yet to accumulate significant wealth. The capital attracts many large businesses that offer high salaries, making it a hotspot for ambitious professionals. But how many HENRYs actually live outside London compared to those in the city? And what does this mean for earnings and lifestyle choices? In this post, I

When it comes to investing in your ISA and pension, a common question is whether you should put in the full allowance as soon as possible or spread your contributions over time using pound cost averaging. Each year, the ISA and pension tax allowances reset, offering a fresh opportunity to invest tax-efficiently. But which approach works best for your financial goals and peace of mind? I’ve explored both strategies to help you decide what might suit your situation. Understandi

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

When you’re in your 30s, the financial choices you make can shape your future in powerful ways. Many people underestimate how much impact early decisions have on long-term wealth. Avoiding common pitfalls now can set you up for financial freedom later. I’ve seen firsthand how financial mistakes most people make when young can hold them back, but with the right approach, your 30s can be the decade you build a strong foundation. Maximising ISAs and pensions is key to UK wealth

Investing in luxury cars has traditionally been limited to wealthy collectors or industry insiders. Now, TheCarCrowd offers a fresh way to own a piece of this exclusive market through an alternative asset class investment platform. TheCarCrowd is raising funds on Republic with a company valuation of £4.6 million and a share price set at £15.31. This development opens the door for more investors to participate in the luxury car market without the need to buy entire vehicles ou

When you hear about HENRYs—High Earners, Not Rich Yet—you might think their biggest challenge is making enough money. After all, their salaries often put them ahead of most people. But what rarely gets discussed is the emotional toll that comes with lifestyle inflation, sometimes called lifestyle creep. This subtle shift in spending habits can quietly add pressure and stress, even for those with high-paying jobs that are tough to replace. In this post, I want to explore how

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

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