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My definition of a good self-help book: One that directly leads to positive changes in my life By that marker, "Die With Zero" by Bill Perkins is the greatest of all time – and the book I've recommended the most.

You’ll either relate to this hard or absolutely not at all: You’re texting someone, and spend ages labouring over the wording of what you want to say. You hit send, and… 10 seconds later, they’ve replied! Clearly their response just popped into their head instantly. I’m a

It's a mystery to me why so few people ever downsize 30% of UK homes have 2+ spare bedrooms And the opportunity cost of having so much wealth locked up in a home is huge The "housing ladder" is all well and good, but most get stuck at the top and can't get down

I stopped budgeting, and my finances improved. Here's how… For years, I understood the principle of budgets but hated the reality: they made me feel guilty, locked me into a scarcity mindset, and stole focus that could have gone elsewhere. Then I discovered "mindful spending"

The best investment? One you truly believe in, and feel comfortable with Because if you panic and sell when things get tough, ANY investment will be bad

"If you live in a democracy and you don't like your politicians, that's your fault." That line from former MP Rt Hon Steve Baker FRSA 🗽 on the @MrObnoxiousPod podcast punched me right in my politically-disengaged face. For years I’ve the ‘enlightened’ position that "they're all as bad as

🚨 48 hours left: Pre-order bonuses end on Wednesday! My new book launches this Thursday, and I'm slightly terrified 😅 I've spent the last 18 months writing the book I wish I'd had 15 years ago: revealing how to build wealth in today's economy, rather than following outdated

IT'S HERE! 📚 Nearly a decade of learning (and plenty of expensive mistakes), a year of writing, and countless rewrites later... "Seven Myths About Money" is officially out TODAY! Here's why I had to write it: Most money focus on either saving more, investing better, or

Instead of trying to beat the market: • Learn new skills • Start a side-gig • Work for a promotion Out-performance is only meaningful when you have a huge portfolio Most are better off focusing on growing income instead

Investing seems complex and intimidating… But after studying it for 15 years, I’ve found that it mostly comes down to making one key decision. To understand that decision, I need to cover two quick points: 1. When we invest, we're all trying to achieve 3 motivations: •

I'm brilliant at predicting the outcome of events I don't care about. As soon as I get emotionally involved... disaster! You probably can't stop your emotions from clouding your judgement, but once you know it happens, you can dial down your certainty and avoid nasty surprises.

“Property or shares?” is the debate that will never die, but the best investment is the one you’re comfortable making.

My alternative to budgeting: 1. Write down everything I spend 2. Review the list weekly: no judgement, just curiosity For me, the awareness had the same effect as budgeting – without locking me into a scarcity mindset.

Is your home really making you rich? 1. Your wealth is locked up, not working for you 2. When you sell, you'll need to spend the same on another home Sure, it's great to own a home. But the "my property is my pension" mindset only works if you downsize. And most don't.

As soon as you make an opinion part of your identity, you’ll be driven to protect it at all costs. Keeping your identity small minimises blind spots.

The secret to worry-free investing? Match investments to motivations: Protect: Bonds, house, savings Maintain: Index funds, diversification Improve: Business, property, stock picks A mismatch guarantees stress or disappointment, no matter how "good" the investment.

Invest £3k per year, for 10 years. With standard 5% market return you'll have £42,880. Work hard to beat the market by 2% and you'll make an extra... £5,120 If you spend 2hrs/wk, that's £4.92 per hour! Until you have a huge portfolio, chasing small gains just isn't worth it.

Most people struggle to downsize: • UK homeowners stay put for 17 years on average • 30% of homes have 2+ spare bedrooms Property is a uniquely troublesome investment because you can’t benefit from it without disrupting your lifestyle! - From my latest conversation with

Tracking your calories will make you consume less without even trying. It's the same with money: manually write down your spending, and you'll end up saving more. It's insanely simple, but it works!

A simple framework for investing… It all comes down to balancing 3 motivations: • Protect yourself • Maintain your lifestyle • Shoot for big improvement Once you decide which is most important to you right now, everything gets easier.