Sukhraj 👽
719 posts


@Sukh0777 @thecibeles I was telling you 😭😭😭 you wanted an Uber. Cloud 9
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@86735s @thecibeles Bro what a feeling 1 hour walk went by in 5 mins pure euphoria
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What happened in 2020/21 for the pattern to break
The Touchline | 𝐓@TouchlineX
🚨 La Liga winners in the last 10 years! 💫
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Young UK people are being sold a lie that they need to be investing in stocks at 22.
Stock portfolios are nearly useless to most people in their twenties because the amounts they can realistically invest are too small to matter.
£100 a month in an ISA over 5 years grows to maybe £7,000 — not life-changing money, a few months of rent.
What actually moves the needle in your twenties is increasing the salary the £100 came out of. Going from £30K to £60K in 5 years isn't unusual for somebody who deliberately invested in their skill set. That's an extra £18,000-£20,000 of after-tax income, every year, for the rest of your career.
The maths is brutal: every hour you spend optimising a small investment portfolio is an hour you didn't spend learning the skill that would double your earning capacity.
Stocks are a tool for the wealth you've already built. Skills are how you build the wealth in the first place.
Most 22-year-olds reading personal finance Twitter would be much better off ignoring it entirely for 5 years and putting that focus into becoming worth 3x more in the labour market. Compound interest on a skill compounds harder than compound interest on £100 a month.
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