10d • General discussion
Complete Investing – Newsletter #1
INVESTING IS NOT OPTIONAL ANYMORE
Welcome to Complete Investing.
This community exists for one reason:
To help you build real financial freedom in the world we’re actually living in today.
That means we won’t just talk about crypto.We won’t just talk about stocks.And we won’t just talk about index funds. Or any other investment like commodities for example.
We’ll cover:
- investing across assets
- money mindset
- and the macro picture that shapes everything in the background
Because if you ignore any one of those, your plan is incomplete.
Investing Is Not Optional (Especially in the UK)
Let’s start with a brutal truth.
If you’re living in the UK in 2026 and not investing, you are quietly moving backwards.
- Wages don’t keep up with inflation
- Cash loses purchasing power every year
- The state pension alone is not a plan - imagine waking up at 65 or even 70 and thinking f*** - is that it!
I’m sick of seeing people I care about struggling in retirement. People I care about. That’s why I’m so passionate about this skool and my YouTube channel @completeinvesting.
Most people remain earners all their lives. Very few people become owners. And ownership is where freedom lives.
The good news? Despite the fact that tax is too high, the current government isnt the best (etc etc), the UK is an excellent place to invest if you play the game properly:
- ISAs
- Pensions
- Global markets
- Long-term compounding
But none of that matters without one thing…
THE HABIT MATTERS MORE THAN THE ASSET
People argue all the time (on social media, down the pub, wherever) about:
- crypto vs stocks
- index funds vs individual shares
- gold vs property
Here’s the truth most people miss:
The asset matters less than the habit.
The most powerful investing behaviour is simple:
- invest consistently
- over a long period of time
- regardless of market conditions
That’s why I talk so much about dollar-cost averaging (DCA). Not because it’s exciting.Not because it sounds clever. But because it removes emotion, removes timing stress and you don’t have to be an expert. Investing isn’t easy (it requires serious patience and discipline) but it is simple.
You invest every month. Good markets. Bad markets. Boring markets. And you let time do the heavy lifting
MOST PEOPLE NEED TO STOP MAKING EXCUSES
“I Don’t Have Any Spare Money.” This is where most people mentally check out. “I’d love to invest but I don’t have any spare money.” blah blah blah
I totally get it — because I’ve been there. I grew up on a council estate and I’ve been anxious about money pretty much for the last 35 years. I’ve lived month to month. And I’ve been terrible with money.
But in 2026 – we all have access to podcasts, books, YouTube videos – no more excuses!
There were periods where I had:
- no buffer
- no excess cash
- no easy options
So I made a decision. I worked more than I wanted to — not for lifestyle, not for status — but to get spare money to invest.
For example, at the start of 2022 I didn’t have any spare money to invest. I didn’t feel sorry for myself. I worked 6-7 days every week. That decision allowed me to invest every single month, even when it was uncomfortable. Like the fact I’ve invested into crypto (and other assets) every single month since June 2022. I've been investing into index funds every single month since mid-2019.
This is the part you rarely hear anything about on social media - the overtime, the sacrifice and the delayed gratification.. But this is where most wealth is actually built.
THE SIMPLE PLAN THAT ACTUALLY WORKS
Here’s the framework we’ll keep coming back to inside this community.
1. Increase Your Investable Income
Not your lifestyle. Not your spending. Spare money to invest.
Spend less than you earn and invest the rest. Or even better… earn more, spend less than you earn and invest the rest.
That might mean:
- overtime
- a second income stream
- short-term sacrifice
2. Automate Everything
Motivation is unreliable. Automation is not. This is what works for me:
- ISA contributions
- pension investing inside my SIPP (I have went tech heavy with index funds and stocks like Robinhood, Coinbase, Tesla etc)
- crypto DCA (Crypto will be a big focus over the next few months)
Set up your monthly investments once. Let consistency do the work.
3. Think in Decades, Not Months
Wealth is slow. Quiet. It’s not sexy (but fuck sexy – chasing quick easy money with Forex, stocks you’ve heard about on tiktok, or the latest crypto from the lads at work just doesn’t work).
Long-term nvesting is boring. But it compounds. And it’s how you you build wealth.
Most people fail not because their plan is bad — but because they quit too early.
4. Become an Owner
Owners sleep better. Owners let capital work. Owners buy time. Owners reduce stress. That’s the real prize.
You could own property (stressful from my experience).
You could start a business (success rate is low and not for everyone).
You could invest into low-cost index funds or maybe bitcoin (this for me is stress free). But we are all different. …
ANYTHING I say in this weekly newsletter is just my opinion and should not be taken as financial advice.
WHY THIS SKOOL COMMUNITY IS SO IMPORTANT TO ME
This isn’t about:
- hype
- flexing
- getting rich quick
It’s about:
- sleeping better at night
- reducing future stress
- having choices later in life
- understanding what’s happening in the world before it hits your finances
Money doesn’t fix everything — but lack of money makes everything harder. Investing is how you push back. It’s how you get out of the rat race and live life on your own terms.
PRACTICE WHAT YOU PREACH
Everything I share here is something I’m actively doing myself.
I invest when it’s uncomfortable. I sacrifice comfort for consistency. I think long-term when short-term noise is loud. IGNORE THE NOISE. That’s what Complete Investing is about.
Let me give you a little example of me practicing what I preach…
My spare money was getting tight towards the end of 2025 - due to a higher than expected tax bill and refurb work on some of my rental properties…
So I worked in between Christmas and new year.
It was only 4 days but it was awful. Here’s what I had to do on 27th December:
· Up at 0300 to get to Newcastle airport
· Get to site at 0800 and start inductions and safety training
· Start work (at 1330) on site I’m not familiar with using systems I’m not familiar with (I was winging it – I agreed to it because the CLIENT on the Data Centre was paying top dollar)
· Permit course and test at 1630
· At 1730 I still hadn't had any water or food – I'm a big eater and tbh I was raging…
· Ordered Dominoes pizza that came at about 1820
· Got back to hotel at 1930
· Walked 25 mins to M&S to get water and food – CLOSED – walked back to hotel
· Walked 20 mins in opposite direction to ALDI – got sorted for next day – back to hotel for 2130 to complete daily report
The 4x days were a joke. Like the fact they had a little bully boy asking for progress updates every 2-3 hours….
It was brutal but it was worth it…Mainly because the overtime money I got will mean I can DCA into crypto over the next 6 months.
I’m going to put a lot into this group this year. I’m going to help you as much as possible with my experience.
Get in the classroom complete the course material – then ask me any questions here in the group.
Watch some of my videos (especially my recent playlists) on YouTube @completeinvesting – then ask me any questions in the comments on YT.
If I ever share a video in here – I’m basically asking for a bit of help and support – if you watch it and comment – it gets pushed out further – then I can get more like minded investors in here…
I want an awesome group of people in here that comes together to help each other. Like what happened in my crypto group in 2025.
The newsletter will be slightly different going forward (like more updates on macro economics etc). This is just the starting point of our Skool…
For the time being you will be getting…
· 1x weekly newsletter
· 1x monthly call
· Access to investing courses
· DM me for 1-1 support
· The opportunity to do an hour 1-1 call – if that’s what you think you need
· And weekly videos on YouTube
p.s. if there is anything you want me to cover on YouTube or in the weekly newsletter just let me know by posting here in the community section. And if your not sure of how this group works – you can refer back to this #1 newsletter – or have a look at the pinned comments again in the community section.
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Complete Investing – Newsletter #1
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