🇬🇧 Ash | Money & Mindset

My 2026 financial goals! 🎯💪 Started from £0 in February, 8 months left to make it happen. - Build a 3 month emergency fund - Hit £10k across my ISAs - Get promoted (targeting a £10k–£20k salary increase) - Create 2 new income streams This is about to be the biggest financial turnaround of my life. It feels so good!

@Therichardralph 100%!

Controversial opinion Work friends are not real friends Move team and see just how quickly you are forgotten about. Get outside and make some real friends outside of work.

@bxns_hyfr We don’t all eventually drink it everyday. I don’t drink that shit!

The UK water system is actually mad when you think about it 😭 Water can go from sewage, through massive treatment plants, then back into the system and eventually your kitchen tap. And we all just casually drink it every day.

@Chief__Investor Thank youuu, sweetheart!

100% discover a strategy and find out what type of investing suits you and your lifestyle. A nice tip which i found useful is, when you discover a position, your decision should resolve around a set of rules and not your mindset. You may miss out on a few positions but your losses will be far less.

Seeing the people I follow on X, with all these big numbers in their ISAs would have defeated me in the past or made me feel like, “what’s the point in starting?” But, it’s actually motivating me. We all have to start from somewhere. We all have different experiences with money and habits.

I had to move home. First place? Hated it. Broke the contract after 15 days, lost the deposit and first month’s rent. Second place? Even higher rent. Higher deposit. I was completely wiped out. I hit rock bottom. But that moment changed everything. I never want to feel that again, and I won’t.

what was the moment that made you finally start investing? Let me know in the comments ⬇️

Your financial position can change in a heartbeat. I know someone who lent £8,000 to someone close to them. Their own situation crumbled shortly after, and they couldn’t get the money back in time. They’re still recovering. Lending without a buffer is the same risk as investing without one, your money is illiquid and at the mercy of something outside your control. A HYSA keeps your safety net liquid & growing. The market can wait. Stability can’t. Don’t risk what you can’t afford. Before you invest, before you lend — build your emergency fund in a HYSA. Never give what you can’t afford to lose.

@financefraz True! Motorised?

@AshBuildsWealth you could do it on a bike?

My 2026 financial goals! 🎯💪 Started from £0 in February, 8 months left to make it happen. - Build a 3 month emergency fund - Hit £10k across my ISAs - Get promoted (targeting a £10k–£20k salary increase) - Create 2 new income streams This is about to be the biggest financial turnaround of my life. It feels so good!

Building a Stocks & Shares ISA has genuinely changed how I think about money. I care less about spending now. More about ownership and long-term freedom.

@UKWealthLog Facts!

@sensiblespend3r True. I was definitely not happy. I’ve only made two orders this year. #Growth

@AshBuildsWealth On a positive side though you are now really clear on what you have spent and can make an informed decision if you are happy with it :)

Can we talk about UberEats for a second 😭 The most convenient thing ever. And one of the most silent money grabbers out there. Restaurant prices are already inflated on the app. Then they add a delivery fee. Then a service fee. By the time you checkout you’ve spent a third of your grocery budget on one meal that brings about 10 minutes of happiness. I went back and calculated what I spent in 2025. 41 orders. One month alone I ordered 9 times. £664 gone 😭😭 !!

@financefraz I sell accessories! Like hats, ties, etc. I would definitely do that too, but I don’t drive.

@AshBuildsWealth ooo nice someone else said they do reselling too! what do you sell? Yeah I do food delivery, so for uber eats, deliveroo etc

@rayyela Thanks, Roy!

@AshBuildsWealth Yiu got this bro manifest that shit bro

@ViralMuzik1989 That’s so awesome, man!

@AshBuildsWealth Started with 10K in April 2024, now upto £248K.. you just have to keep grinding.. dream big 🫡

@xT1T00 Thank you, Tito! 🫂

@AshBuildsWealth Welcome, Ash. I would love to see you succeed.

@GrahamCompton Ooooo, you’re rare. 😉 I think I would post at least once a year! As a progression mark.

@AshBuildsWealth I don't post values because: a) Privacy b) Being seen to be bragging c) It's irrelevant. The best investment strategies are timeless (until you get to drawdown) d) the goal is to impart knowledge and experience

@FelixHopkins7 Thanks, Felix!

@AshBuildsWealth 100% mate spot on. I dropped a follow let’s connect

@wealthyfranklin Thank you, Franklin. Being able to actually start saving and investing NOW is a reward in itself.

@AshBuildsWealth That’s a really healthy shift in mindset. It’s easy to let those numbers feel intimidating at first, but turning it into motivation is exactly the right way to use it. Everyone you’re seeing started from zero at some point, just with different timing, habits, and circumstances.

@AccrueReturns Thank you, Dan! 🫂

@AshBuildsWealth 100%, Ash, I was the same. Don’t worry about the big portfolios on here, they had to start at the same place as everyone else. Focus on your own journey, you’re ahead of 95% of people already

@Cryptoreti55279 This is different. Makes sense!

@AshBuildsWealth You just need to start…. I concentrated on real estate for years, and once I had enough exposure there, started with ISA’s and SIPP for tax purposes.

@JamieFinance25 I’m still building out my plan. That’s the fun part! And yes that’s true! Goodbye to those days of paycheck to paycheck. 🥲 I’m so ready to spread the word to anyone that’s willing to listen.

Bro I only started last year. Initially I was like you and felt behind. Now, I've got a firm plan in mind and am ready to attack! You and I are still so far ahead of the over half the population who lives paycheck to paycheck with not much more than a grand available. Let's spread the word and get to it 💪🙂

@Chief__Investor Ok, so researching is key!

@AshBuildsWealth The hardest choice is starting! My most important advice to you is to manage risk. Every position understand the risk taken.