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 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

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

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