Mack | Wealth Is Boring

Why don’t more people invest in stocks and shares? The tools are right there..

@PiesStocks 500! Congrats

@MoneyWithMack Followed mate! Thank you

11 off the big 500. Targeted before the end of the month so it would be amazing if we could hit it! Hope you're all having a great day!

Finance content loves to make investing sound like a secret door. For many people, the useful questions are much duller: - what am I investing for? - when might I need the money? - do I understand the risk? - are the fees clear? - is this properly diversified? Annoying. Sensible. Often the point.

@MoneyWithMack Celebrating to get older haha, walking stick soon 😆😆😆

GM X Today is my birthday I am now 25, closer to 30 than 20 🎂

@JS_Invests I think its just been one of them months my friend. 🤷🏼‍♂️

@MoneyWithMack I need to diversify my portfolio

Markets took another hit with US market opening, June has really turned into a terrible month #FinX #investing

@stevehill1mil Be there in no time, hoping for a less volatile summer 😅

@MoneyWithMack Yes sir!!

A nice start today - eroding some some of my £1k losses from last week! 🟢

@MoneyHacks16 Yes my friend 🙌

Most people celebrate payday by spending Mine looked like this: Salary ↓ ISA ↓ £1,670 of VUAG One month closer to financial freedom

@KeepyCash I know your story my friend and this is incredible, well done to you!

What's your top finance tip for a 32-year-old dad with 3 kids, wife, $29k of non-mortgage debt, who has a regular job making $40k per year?

@QuietWealth_UK Will be a decade of £12570, madness!

A £35,000 salary in 2021 felt very different to a £35,000 salary today. That's because tax thresholds have been frozen while prices have kept rising. Here's the maths: — The personal allowance has been stuck at £12,570 since 2021. If it had kept pace with inflation, it would be around £15,480 today. That's £2,910 of your income now being taxed that wouldn't have been before. — A "cost of living" pay rise often doesn't make you richer. It just pushes more of your money into higher tax bands. — If your pay rise is below inflation, your real spending power falls before tax even touches it. This is called fiscal drag. Your salary might look the same on paper, but more of it is now getting taxed. None of this makes the news, it just shows up quietly in your payslip every month until at least 2031. The only defence is the wrapper. Every pound inside your ISA or SIPP sits completely outside the fiscal drag machine. 🇬🇧

@MoneyHacks16 Future you thanks you 🫡

Salary arrived - system repeated: -> Salary in -> £1,000 into ISA -> Invested into VUAG No decisions No emotions. Just another month

@UKWealthLog Well said Wealthlog 👌

If you’re panicking because markets are red, ask yourself one question: Has anything about your long-term plan changed? If the answer is no, then why sell? Volatility is the price you pay for higher long-term returns. Here’s what I’m doing instead: • Continuing to invest. • Ignoring the headlines. • Thinking in years, not days. The biggest mistake isn’t seeing your portfolio fall. It’s selling it and missing the recovery. Time in the market > timing the market. 📈

@wealthrewired8 Down days are buying days 👀

@MoneyWithMack It’s a gift for long term investors

Happy Monday everyone

@UKWealthLog Well done matey 💪

🎉 1,000 followers. Thank you to everyone who’s followed my ISA journey so far. I started this account to document my own investing journey, and it’s grown into a brilliant community of people sharing ideas and learning together. Here’s to the next 1,000.

An ISA is useful. A pension is useful. A savings account is useful. None of them remove the need to understand what the money is for. Short-term money and long-term money should not be doing the same job.

An emergency fund isn’t there to make you rich. It’s there so one expensive month doesn’t turn into credit card debt, panic, or a decision you didn’t really want to make.

@InvestLOng_ 💪💪💪

@MoneyWithMack Gm Mack, LFG

Good morning all 🌅☕️