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

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

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