Hugo M

Managing your finances as a HENRY (High Earner, Not Rich Yet) in the UK can feel like walking a tightrope. You earn well, but the path to true wealth requires smart decisions and careful planning. This guide breaks down the essential steps to help you build a strong financial foundation and move confidently toward financial freedom. Understand Your Income and Expenses The first step is to get a clear picture of your money flow. Track your income sources and monthly expenses closely. Many...

Deciding whether to buy or rent a home is a major financial choice, especially for UK HENRYs—High Earners, Not Rich Yet. With rising property prices, changing mortgage rules, and evolving lifestyle preferences, 2026 presents unique challenges and opportunities. I want to explore the key factors that HENRYs should consider when weighing buying against renting this year. Modern flat Understanding the HENRY Profile and Their Priorities HENRYs typically earn between £60,000 and £120,000 annually...

Many people believe that earning a higher income is the key to building wealth. While income matters, time builds wealth in ways that money alone cannot match. I’ve seen firsthand how focusing on time rather than just income can create lasting financial security. Let’s explore why time plays a more powerful role in wealth creation and how you can use it to your advantage. Why Time Matters More Than Income Income is what you earn, but wealth is what you keep and grow. Even a high income can...