In this value-packed episode, Robin breaks down a practical and straightforward framework for building wealth in 2025. Whether you're a new investor or an experienced business owner, discover actionable tips on avoiding risky schemes, creating multiple income streams, and mastering the mindset needed for financial success. Learn how to protect your cash, grow your savings, and use creative strategies to turn small investments into big rewards, all while building a life of freedom and security.

Before jumping into the latest investment trends, it's important to know exactly where you stand financially. Think of it like mapping out your route before starting a road trip, you need a clear starting point.

Here's a simple process to help you review your current finances and set goals that actually fit your life:

Building wealth isn’t about having a crystal ball, it’s about knowing your numbers and setting targets that push you forward...

Ready to start your investing journey? Hit play and get inspired to take action in 2025!

It all comes down to a simple but powerful system: separate your money into three distinct “pots” based on what you’ll need and when. Here’s how to make your financial foundation rock solid, no matter where you’re starting from:

1. Immediate Access , Everyday Essentials & Enjoyment:

2. Short-Term Savings , Your Six-Month Safety Net:

3. Long-Term Growth , The Future-You Fund:

Remember, these “pots” aren’t locked boxes, they’re flexible and can change with your needs. But by splitting your money this way, you shield yourself from emergencies, keep your daily finances healthy, and give yourself the best shot at long-term wealth. Just keep it simple, automate where possible, and review once or twice a year to make sure you’re on track.

It’s tempting to dive right in when the stock market feels like an express elevator to the penthouse. But here’s a timeless truth: investing should come after your essentials, never before. Think of your investments as seeds you plant only once your day-to-day garden is thriving.

There are a few good reasons for this:

So, before you invest, double-check your budget, top up your rainy-day fund, and settle any high-interest debts. That way, every pound or dollar you put to work is free to grow, without risking the peace and stability you've worked so hard to build.

Let's talk about the bigger picture: if you've got your sights set on true wealth-building, history shows that investing in diversified stock indices trumps letting your money snooze in a savings account. Sure, there will be bumps, markets rise and fall like the British weather, but over time, growth wins.

Take something like the MSCI All Countries World Index. Over the past decade, it's delivered some strikingly solid gains for patient investors, way outpacing typical interest from cash savings. We're talking double- and even triple-digit percentage growth if you zoom out to a 5- or 10-year horizon (with all income reinvested along the way).

But, and it’s a big but, nothing is ever guaranteed. Even the star performers have bad years, and you could get back less than you put in if you need your money during a downturn. That’s why a savvy investor always keeps a stash of cash for short-term expenses and emergencies, while putting longer-term money to work in investments with the potential to outpace inflation.

By blending both approaches, you give yourself the best shot at growing your wealth and protecting your peace of mind.

You’ve probably heard the advice: tuck away a few months’ salary in savings, just in case. But in the real world, the numbers are a bit more personal.

Here’s how the pros actually crunch it: Instead of a blanket “three or six months’ salary,” seasoned wealth managers look at your genuine monthly outgoings, think regular bills, rent or mortgage, groceries, transport, and, yes, the joys that make life worth living. They help you total everything you need to keep life ticking over comfortably.

By tailoring your emergency fund to your actual lifestyle, rather than just a salary number, you’ll know you’re protected, whatever curveballs come your way.

If you've already set aside your emergency fund, you might be wondering where to park additional savings for costs you can see coming down the road. A fixed term savings account can be an excellent choice for bigger, predictable expenses you’ll face in the next few years.

Some examples include:

By putting this cash somewhere that offers a better interest rate than your regular account, your money not only stays out of easy reach (reducing temptation to dip in), but it also grows steadily until you need it. So when those planned expenses arrive, you'll have what you need, plus a little extra thanks to the interest you've earned.

Once your emergency fund is set, it’s time to look ahead to those unavoidable, big-ticket costs, think tax bills, home renovations, or even that dream getaway you’re planning for next year. This is where fixed term savings accounts step into the spotlight.

By locking your money away for a set period, typically one to two years, you tap into higher interest rates than what you’d get with your standard current account. The key benefit here? These accounts make it harder to dip into the funds on a whim, so you’re far less likely to spend the money impulsively.

Here’s how a fixed term savings account fits into your financial toolkit:

Think of it as your “future expenses vault”, protecting what you’ve worked hard to earn, and helping you hit your savings targets with less stress.

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