Dave
@daveksmartinez
A serious approach determine the level of result in any field of endeavour
The biggest wealth transfer is happening quietly — and most people don’t even see it. 📉 Bank of England forecasts inflation could hit 3.7% by September 2025. That means your £10,000 in savings will only buy £9,630 worth of goods by Christmas.
In 2024, UK mortgage arrears jumped 69%, with the average arrears now £10,239 (UK Finance). These aren’t reckless spenders these are everyday people who thought they were financially secure.
Day 16 of Wealth Building Tips – The Debt Payoff Debate 💡 Did you know that 84% of UK adults have some form of debt? The average household is carrying £65,000+ in debt (including mortgages). With the average unsecured debt now over £15,000, every month you delay tackling
Day 15 – Wealth Building Tips 💡 55% of people in the UK admit they’re not contributing enough to their workplace pension (Source: ONS, 2024).
Most investors hate losing money more than they enjoy making it. This isn’t just a feeling—it’s science. 📊 Daniel Kahneman’s research on loss aversion shows that losses hurt about twice as much as equivalent gains feel good. That’s why a £1,000 loss stings more than a £1,000
Day 14: Why Most Brits Are Still Poor 🇬🇧💸 Only 23.5% of the UK population invest in stocks and shares. That means a staggering 76.5% are missing out on one of the most consistent long-term wealth creation tools in history.
Day 13 – Why Your Income Isn’t Growing (And What To Do About It) The median income in the UK has only grown 7% over the last decade – that’s just 0.8% per year. It’s barely keeping up with inflation.
Day 12 – Wealth Building Tips: Escaping the UK Debt Spiral. DM ME WEALTH TO GET STARTED. The UK is in a silent debt crisis. The average unsecured debt per adult has now reached £15,672 — that’s a 7% increase in just 12 months. And it’s not just the unemployed…
Day 11 – The Hidden Danger of “Safe” Savings Inflation is forecast to hit 3.7% in September (Source: ONS, 2025), and while the average UK savings account is offering 4.82% p.a. (Moneyfacts, July 2025)… don’t be fooled.
Day 10 – Wealth Building Tips 💼💸 Most people are climbing the wrong ladder… 🪜 According to HMRC, only 31% of the top 1% in the UK rely on their salary as their main income source. The other 69% generate wealth through capital — not labour.
Day 9 – Why Spending Feels Better Than Saving (But It’s Costing You Your Future) Let’s be honest — spending money gives you a quick buzz. You get the new shoes, the takeaway, the gadget… and dopamine floods your brain. Studies show that spending activates the brain’s reward
Day 8 of Wealth Building Tips – The Shocking Truth About UK Savings 📉 Did you know that 55% of UK adults have less than £1,000 in savings? According to the Money and Pensions Service, over 11.5 million people in the UK are just one unexpected expense away from financial crisis
Day 7: Wealth Building Tips 💰📈 Stop spending £10 a day on things you won’t remember next week — your daily coffee run, £4 meal deal, takeaways, or yet another forgotten subscription.
Wealth Building Tips – Day 6 ⏳ The Price of Waiting: Why Time in the Market Beats Timing the Market If you’re investing monthly with the goal of building long-term wealth, there’s one factor that outweighs almost everything else: time.
According to the Pensions and Lifetime Savings Association (PLSA), the UK state pension currently pays just £221.20 per week — that’s £11,502.40 a year. Now compare that to the PLSA’s recommended income for a “moderate” retirement lifestyle:
Day 4 of Wealth Building Tips – The Power of £100/month in the S&P 500 📈🇺🇸 Think £100/month isn’t enough to build wealth? Think again. 💸 If you invested just £100/month into the S&P 500 (which has returned around 8% per year after inflation)… here’s what happens:
Day 3 of Wealth Building Tips – Millionaire Habits 💸📈 Want to know one of the biggest differences between the wealthy and everyone else? It’s not just income… it’s habits. Millionaires don’t just earn more — they think and act differently: ✅
💰 Day 2: How Much Do You Really Need to Retire? Ever wondered what it actually takes to retire comfortably? Comment compound and I’ll DM you. 📊 The Trinity Study has the answer: Take your annual expenses and multiply them by 25. That’s your target number for financial freedom
Day 1 of Wealth Building Tips 💸Let’s talk about the silent thief in your savings… Inflation.Every year, your cash loses value just by sitting still. In fact, with UK inflation at 3.6%, £10,000 in your bank lost £360 in real value, without you spending a penny.
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