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Nate 🔱
78 posts

Nate 🔱
@NateLucki
Breaking down markets & making money online. Stocks | Crypto | Trading
Katılım Haziran 2024
187 Takip Edilen174 Takipçiler

A little post about me for anyone who's interested, as there's lots of new followers and I haven't done one of these before!
I'm 36, married with 2 kids. I'm an M&E engineer by trade but now work in the financial side of construction, and have a small-holding at home that keeps me very busy. 🐐🐓🐑🐣🐕
I started full-time work at 16 because I knew I wanted to earn asap, but I only started investing at around 30. This came about a year after I met my wife and when things started getting serious, I quickly realised I needed to sort my finances out!!
I had always earned well, and while never terrible with money, I had no plan and didn't know about investing. So, my money did nothing for 14 years.
Actually, that's not true, I bought, renovated, and sold properties in that period. 🏡 This really set me up. So I had decent equity for my age, but... no liquidity or diversification
I initially discovered investing through @DaveRamsey shorts and then got curious from there. While I don't agree with all his views on debt, I'm grateful that this was the start of my journey.
Budgeting, increased earnings, regular investing, and a partner that shared my goals, have led me to my current portfolio in the space of around 6 years (not including property equity). Though this does include a couple of small workplace pensions I consolidated.
Things were going well, and then I was made redundant in 2022 💀... This happened a few months after moving house and a few months before getting married. We had stretched to buy the house and get married in the same year, so we had £3k in savings, less than one months living expenses.... Squeaky bum time!!
This was a wake-up call to step up my game...
New job and upped my salary by £25k ✅️
6 months emergency fund saved ✅️
Min 20% invested a month ✅️
Secondary source of income ✅️
Cleared all debt except the mortgage ✅️
Helped my wife negotiate a £10k rise ✅️
My life became a montage for a couple of years 😅. Plus, whilst financially recovering, my wife fell pregnant too because we enjoy playing life on hard mode.
Anyway, it all worked out, and I decided to start posting on X in January 2026.
This is because I had made all the usual financial and beginner investing mistakes, and so decided to share my journey to hopefully help others avoid the same. Plus the fact I didn't really know about investing until I was 30 is mental, and that was the main driver in creating this account, to hopefully help make others aware of how easily financial freedom can be achieved if you start young enough and keep it up consistently.
When I first started X, my aim was to be strictly educational and almost show know personality. However I realised quite quickly that not only is that boring to keep up, but that X is all about community and connections, and that's what I've come to enjoy about it.
It's been great getting to know everyone. That's enough from me 🫡
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@NateLucki I’d buy a property for sure. This is what I’m investing for at the moment.
Nothing beats the safety and joy of having your own place in your chosen area.
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