Over 90% of new investors end up losing money.

After coaching 200+ beginners, I’ve seen exactly why.

Here are 10 rules to help you avoid the biggest mistakes: 1. Patience Pays Off

The longer you hold, the better your chances of positive returns.

Wealth isn’t built overnight

Give it time.

Retirement is not an age.

It’s the amount of money you need in your bank account to never have to work again.

Most people believe they need £5M+ to retire.

But for 99% of people, you need WAY less than that.

Here’s how to calculate your TRUE Financial Independence number: 1. Calculate your annual living expenses.

Example:

Food, housing, car payments, etc. Total = £40,000.

I will NEVER have to work again.

By the time I’m 42, I can retire.

Here are 7 things I’m teaching my daughter so she can retire in her 30s:

(Most people are learning this too late...) 1. Time > Money

Most people don’t understand this.

But if you work a 9-5 you’re trading your time for money.

You can't make the money work for you.

The problem?

We don't have an unlimited amount of time.

So it doesn't allow you to buy or do certain things.

There are 1000s of books about money.

But only a few actually teach the needed knowledge to succeed in life.

Here are the 10 personal finance books that helped me cut 40 years off my retirement age: 1. The Simple Path to Wealth ~ @JLCollinsNH

I'm 32.

10 years ago, I was a homeless college student.

Then I discovered Peter Lynch's wisdom on financial freedom.

Today, I'm retired, on track to becoming a millionaire, and teaching hundreds to do the same.

Here are Peter's 7 investment principles that changed my life: 1. Invest for the Long Term

Lynch always invested with a long-term plan.

He believed in holding onto quality stocks even when the market was red.

With time, patience, and the right investments, wealth naturally grows.

5 years ago, hooked on consumerism and stuck in a cycle of debt.

I opened the first page of 'Your Money or Your Life'.

5 years later, I've eliminated >£80K of debt and grown my net worth by >£420K.

These 5 mind-shifting lessons helped me make it happen… 1) A Budget

You need to:

- Track income vs outgoings
- Review spending habits
- Increase the gap
- Focus on investing the difference

🧵 "Money is a tool, not a goal"

Let me break down exactly what this means and why it matters.

A thread… We often get it backwards.

We chase money thinking it's the end goal, but here's the truth:

Money is just a means to an end.

Let me explain…

Feeling STUCK financially?

- Living paycheck to paycheck.
- Watching savings dwindle.
- Thinking, “I’ll fix this when things get better.”

Here’s the thing…

You’re not waiting on better times.
You’re waiting on yourself. Here’s how to take control starting TODAY.👇

Here’s the TRUTH no one will tell you…

Financial transformation doesn’t happen overnight.

But it CAN happen in months, not years.

I’ve worked with people who’ve gone from:

- £25K in debt → debt-free in under a year.
- Saving £0 → investing consistently.
- Financial anxiety → confidence and peace.

Here’s the framework they used.

(Save this for later)

Most millionaires invest in the stock market

But they don’t teach you how to build a successful portfolio in school

So let me show you how: The stock market is inherently unpredictable and volatile

But certain tried-and-true principles can help investors boost their chances for long-term success

You can be tempted to lock in profits on great stocks and hold onto your losers in hope of a rebound

This isn't wise

4 Years Ago, I opened the first page of The Psychology of Money

What followed was a complete overhaul of how I approached & made financial decisions

My net worth increased >£425K in that time...

These are the 10 ways it impacted me: 1. Everyone does crazy stuff with money, but no one is crazy

Everyone has their own unique life experiences and a view of how the world works

Because of this, what seems crazy to you might make sense to me

This also explains why we have different views about how money works...

6 years ago, I opened the first page of The Simple Path To Wealth

6 years later, I've quit my 9-5 and I'm on track to retire in my 40's

These are the 7 key takeaways from the book that changed my life forever: 1. Change Your Money Mindset

When it comes to building & maintaining wealth

It starts with a change in your mindset

This is where most people fail, seeing money as a means of satisfying their fleeting desires

This leads to a vicious cycle of living paycheck to paycheck

This one mindset shift helped me add >£380K to my net worth in 3 years

And it's way more simple than you think: All I did was this:

• Didn’t buy anything ‘cool’ until I could afford it 3x over in cash

Watches, gadgets, cars, you name it…

This helped me in 3 ways:

In order to escape my 9-5 at 32,

And put my wife and I on track to be financially independent at 42

I had to establish a few Non-Negotiables when it came to money

Here are the 9 Non-Negotiables you need to achieve financial security & peace of mind: 1. Budget

You need to keep your expenses set at a level that covers your family's needs, including the things that add value and provide happiness & fulfillment

Get these locked in

You already know that DCA (Dollar Cost Averaging) is the best buying strategy for your investments

But did you know you can supercharge your returns from this strategy using free AI

Let me show you how: DCA works because the stock market volatile

And the data shows the best returns over the long term are achieved by the stocks that are more volatile in the short term

This provides us with a huge wealth-building opportunity

But only if you are able to stomach this volatility

Most millionaires invest in stocks

But they don't teach you how to research companies in school

So let me break it down for you

Using the strategy of the most successful fund manager of all time: Mr. Lynch managed the Magellan fund, averaging a 29% yearly return

This makes him the most successful fund manager of all time.

He strongly believes that anyone has the ability to outperform the market

Here's an insight into his own, winning research strategy...

>90% of new investors lose money

Having coached >200 beginners, I’ve seen every mistake you can imagine

I’ve compiled 15 rules you must follow to help you avoid making the same ones

And they’re yours for free here: 1. Be patient

Patience is the silent millionaire maker

However, humans are inherently impatient, especially when it comes to money

We want it here and now, and this is not how investing works.

Facts: The longer you hold, the higher your chances of positive returns (see image)

How I Hacked The Game of Personal Finance:

Look, I get it…

No one wants to face their finances

But using these principles, I’ve escaped my 9-5 at 32 and won’t have to work a day past 42 if I don’t want to

And it’s easier than you think!

Let me explain… Fact is

The finance industry is bamboozling you

Making the prospect of achieving your goals seem like some far-fetched fantasy you’ll never attain

But I bet there’s a huge gap between what I did to achieve these goals and what you THINK I did to achieve them

Keep reading...

I remember the feeling...

Wanting to:
• Escape my debts
• Escape the paycheck-to-paycheck grind
• Escape my 9-5 ASAP to spend more time with my family

But having no idea how or where to begin

The good news is, I've done it!

Give me 2 minutes and I’ll show you exactly how: If you're new here, my name's Joe

7 years ago I was broke (-£40K net worth) & stuck in a cycle of debts

I had no savings, no investments and no clear way out

I knew I had to do something about this...

To set myself up to become a millionaire in my 30's and work-optional in my 40's

I went through 23 different finance & investing books

Below are the 10 key lessons I that were pivotal in enabling me to become financially free In case you were wondering which books I'm referring to, here's a few:
- The Simple Path to wealth
- The Psychology of Money
- The Millionaire Next Door
- The Millionaire Mind
- I will Teach You To Be Rich
- Your Money or Your Life

And the 10 key lessons...

This transformation took just 8 weeks...

From:
• Stressed about money
• £10,000's in debt
• 3 year timeline to purchase house
• Retirement at 68

To:
• No longer worried about money
• 90% of debt gone
• 10 month timeline to purchase house
• Retirement at 47

This is how: Nick found me in Feb

He wanted:
• His debt gone
• To end the paycheck-to-paycheck cycle
• To buy his first home with his wife
• And retire ASAP

The first thing we had to do was get his monthly finances under control

$AAPL (Apple) Announced the biggest stock buyback in US history in May

$110 BILLION

If you're wondering what this means for you and your investment

Let me break it down for you:

// THREAD In this thread, I'm going to tell you exactly what a buyback could mean for you as an investor in any company that decides to undertake such a scheme

Keep reading to find out:
• What they are
• Why companies use them
• And if they are a good thing (or not)