@adm.jay: 1. Invest without understanding what I’m buying — I audit companies for a living, I apply the same logic to my portfolio 2. Leave cash in a current account — I know exactly what inflation does to idle money 3. Not use my full ISA allowance — tax-free growth is one of the few things the government actually gives you 4. Buy now pay later — the interest structures make no sense when you run the numbers 5. Invest before building an emergency fund — sequence of events matters 6. Let subscriptions auto-renew without reviewing them quarterly 7. Panic sell — I’ve seen enough financial statements to know short-term noise is not the story 8. Confuse net worth with income — a high salary with no assets isn’t wealth 9. Make financial decisions based on what looks good, not what the numbers say 10. Compare my timeline to someone who started earlier — compounding rewards patience, not comparison #charteredaccountant

Adam Jay | UK Investing Guy

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Monday 15 June 2026 15:57:46 GMT