New playlist just added for anyone who is just starting to invest. See @completeinvesting on YouTube - link can be found below ⬇️ in the comments. This is a beginners guide and is for anyone just starting to #invest It covers money mindset, personal finance, financial literacy, mistakes to avoid and how to retire by owning the world. To get the most benefit from this playlist - start at money mindset and watch in the correct order. 1. Money mindset 2. Personal finance 3. Financial literacy 4. Mistakes to Avoid (MUST WATCH) 5. How to retire by owning the world ** Little tip - take some notes so the information really sinks in. I’ll leave the links below in the comment - currently 3/5 published 📈👍

This video is for anyone interested in building wealth with compound interest… And importantly - retiring early - so you can live life on your terms 👍👍👍

What’s been your biggest investing mistake? I’m pushing hard to encourage more people to start investing, and I want to highlight the real lessons that come from experience — the wins, but also the painful mistakes. We learn IMO, more from what didn’t work than from what did. For example, some common ones I’ve heard include: • Not starting early enough • Selling too soon out of fear • Chasing the latest “hot tip” • Ignoring diversification • Letting emotions take over I gambled out life savings on individual stocks in 2019/2011 without having any idea what I was doing… My wife was due to have our second daughter - and we were about to move into our second home… It caused me big problems at home - let’s say I wasn’t flavor of the month - or the year!!! What’s your biggest mistake relating to investing? Because giving me a bit of support might just help someone else avoid the same trap. The same painful mistakes!

My new YouTube channel has 249 subscribers. This is low and why most people will ignore my videos! I do it tbh. I see a channel with a few hundred subscribers and I scroll past… But this doesn’t reflect the quality of the videos and the information I’m sharing! I’ve been investing for 24 years and I’ve seen too many people with too many FINANCIAL regrets… That’s why I’m obsessed with helping people to retire early 📈💰 Get yourself to @CompleteInvesting and watch my latest playlist - how to retire early - 5x 10 min videos that will help you invest your way to early retirement. Any feedback on the content is always much appreciated 👍👍

Both can significantly impact your financial future, and understanding their benefits can help you make an informed decision. Investing in Index Funds (10% Average Annual Returns) Index funds, which track broad market indices like the S&P 500, offer a low-cost, diversified way to invest in the stock market. Historically, they’ve delivered average annual returns of around 10% before inflation, though past performance isn’t a guarantee of future results. Here’s why index funds are compelling: - **Wealth Growth**: Thanks to compounding, even modest investments can grow substantially over time. For example, $10,000 invested at 10% annually could grow to over $67,000 in 20 years. - **Diversification**: Index funds spread risk across hundreds or thousands of companies, reducing the impact of any single stock’s performance. - **Low Costs**: With minimal fees compared to actively managed funds, more of your money stays invested and working for you. - **Accessibility**: You can start with small amounts, making it easy to build a habit of investing consistently. Paying Off Your Mortgage Alternatively, paying off your mortgage early can provide significant financial and emotional benefits: - **Guaranteed Savings**: Eliminating your mortgage means saving on interest payments, effectively giving you a “return” equal to your mortgage interest rate (e.g., 4-6% for many homeowners). This is a risk-free benefit, unlike market returns. - **Cash Flow Freedom**: Without a monthly mortgage payment, you’ll have more disposable income for other goals, like investing, travel, or retirement. - **Peace of Mind**: Owning your home outright reduces financial stress and provides security, especially in uncertain economic times. - **Faster Equity Buildup**: Extra payments reduce your principal faster, increasing your home equity, which can be leveraged if needed. Which Is Right for You? The choice depends on your financial situation, risk tolerance, and goals. Index funds offer higher potential returns (10% historically) but come with market risk and volatility. Paying off your mortgage provides a guaranteed, risk-free “return” through interest savings, plus the emotional benefit of debt freedom. If your mortgage rate is low (e.g., under 4%), investing in index funds may outpace the savings from early payoff. However, if peace of mind or reducing debt is a priority, paying off your mortgage could be the better path.