I didn’t grow up around money and didn’t know anyone that did. I grew up in a council house in the UK, watching my parents do their best but never really getting ahead. I thought saving was the smart thing to do so I was always careful with money, yet something would come up and once again, I had nothing saved.

I got my first job at 16 and counted how many hours work a chocolate bar was before I bought it. I always had money left in my bank before the next paycheck. I counted every penny. I remember when I was 18 working in a local cinema, sitting there counting how long it would take to save my first few thousand and how much interest the bank would pay for that and how that interest would help me earn more money.

At 29, I had an early mid-life crisis, fuelled by infidelity and general difficulties in my personal life. It hit me that my life wasn’t where I wanted it to be. I was always doing everything “right” and still treading water. My net worth was huge zero. When I started learning what money really was; how it worked, how people used it, and why saving alone was never going to get me out.

When I made my first investments, and saw the numbers going up, I felt alive. Finally, I was doing something. Then the markets dropped. My friends laughed at me. I looked stupid. But I’d seen enough to know I was on the right track, so I kept going.

Years later, those same investments are what let me quit work before I turned 40. I’m not rich, but I’m free. I spend my time studying new investments, learning how to keep more of what I make, and helping others do the same.

This blog is for people like me, with no financial background, no fancy job, just a desire to change your situation. If you’re willing to learn, to take responsibility, and to start now — really start — you can change your life in a few short years.

I used to think that I wasn’t successful because I wasn’t earning enough or that the information just wasn’t there for us poor people. It wasn’t that the information wasn’t available to me, it was more that you cannot know what you don’t know. How can you ask the right questions if you don’t understand what the real problems are.

I never earned much more than minimum wage but I managed to reach a point where my investments were growing faster than my contributions within a few years and stopped needing to work in under 10 years. I’m still adjusting to that.

I’ll show you what I did, what I learned, and what I wish I’d known sooner.
It’s not luck. It’s not magic. It’s just money and once you understand it, it stops controlling you and starts working for you, instead.

Don’t wait for the perfect time. There isn’t one.
Start now.