In my experience, contract deals are usually cheaper than buying a phone out right and then paying for a sim only deal.

6:38 Inflation*

Thanks for the video m8! One can tell you are smart and got a talent for presenting things in positive/hopeful way. I'm 36 and can really relate to your life situation. Looking forward to more videos 👍

I will be forever grateful to you, you changed my entire life and I will continue to preach on your behalf for the whole world to hear you saved me from huge financial debt with just a small investment, thank you Wendy Hubbard Stewart.

You definately need a mentor, i lost thousands in the first week of trading, then I caught Santa Claus climbing down my chimney, after talking to him over a glass of milk & some chocolate chip cookies I found not only is he an expert in delivering presents & squeezing through narrow spaces but he also is very good at trading the stock market, his gold plated sledge gave me confidence, since I last saw him almost 11 months ago I’ve made millions, the bad news is you can’t contact him on telegram or WhatsApp, you have to catch him coming down your chimney if you want his trading advice…..stay up on December 24th, trust me it’s worth it guys….this time next year you could all be millionaires!

How much for all these stocks together lol

40 year old DevOps engineer wathing this - Was certainly worth the time and dedication to learn over the past few years and it does pay off.. Now just getting into investing into a SIPP and merging all previous workplace pensions😀

Happy birthday Chris!

7:25 You didnt follow your own advice on this one. Everyone's circumstances are different yet youve offered blanket advice when it comes to buying a house. Many young people are preparing to leave the country, it's not in their interest to buy a property because you have to own for 15 years + to actually see profif for most people after ALL costs and inflation. Also renting it out has serious income and capital gain tax implications that you completely ignored

This was such a positive video.

I didn't start saving for a pension until I was 29. Now I'm 57 and have amazingly managed to save £800k, but in order to do this I've had to work in well paid but very stressful jobs, and my mental health has suffered as a result. If I could go back in time I would not have wasted time on university, but started work at 18 in a job I enjoyed and started to save right away.

Really good video Chris and a load of golden advice.......one thing I wish would happen is that schools went back to teaching financial items - nothing complicated, but give context and examples - and invite speakers in etc.....would certainly of helped me......5 years in your pension when you are 18 is so much more valuable than when you are even as low as mid 20's..... as you say....start now.

1:31 no but we can be miserable in luxury

Lots of wisdom here, young man! I’m a teacher, love my job, but looking forward to retirement. I’m 59, no regrets

As my ISA pot increases, so does my peace of mind.

Very solid advice.

When UK wants to encourage entrepreneurship, I do not think social media is what they had in mind.

The very very wealthy are the ones who buy the politicians, and surreptitously control policies including who pays what taxes and what income bracket etc etc.

Do professional Rugby players not earn around this much as well? UK120K?

Unfortunately, not all of us were financially literate early, I was 35 when I finally educated myself and started taking steps. I went from $176,000 in debt with zero savings or retirement to now, 2 years later, fully debt-free and over $1000,000 net worth. I know that doesn't SOUND like a lot, but l'm incredibly proud of it. Now I'm fast-tracking my wealth building (investing $400,000 annually) and don't owe a dime to anyone. It's a good feeling! Thanks Charlotte Grace Miller.

Amazing video, you work for 40yrs to have $1M in your retirement, meanwhile some people are putting just $10K into trading from just few months ago and now they are multimillionaires, thanks Charlotte Grace Miller

I’m ecstatic with Trump's victory and the year-end market surge. Which hidden jewels in the upcoming bull run would you buy with 150 grand right now? My goal is to position myself for a prosperous Q1 in 2025.

The first thing I'd say to myself when I was your age was don't use Americanisms like "suck" and "of a". They may be big but they aren't clever. The second, speaking as someone who now has a lovely big HMRC-proof ISA, is that you're wrong about that, son. Wrap every penny you can.

This is so helpful thank you for giving us advice. It is a tough world we live in. The older I get I'm stressed out. This video shined a light to my current situation.

I wish I was 35 again lol. happy early birthday Chris.

Your video is sad and unhappy because you count your age. Stop doing it. There is no 20, no 30, no 70, And stop doing birthdays after 16.

Thanks Chris, some great material for a book here!

Fantastic video chris, who said this was supposed to be a finance channel ay, ill be rewatching this one for sure! So much wisdom in 1 video! Appreciate the content 👍 100k subs incoming!

Start investing earlier!!

That's Chris good video

The main lesson here is that life isn't a rush, you do stuff when you are ready, don't copy others, evaluate and learn first and understand you have your own plan don't follow other peoples plans or judgement, speaking from experience! and I take my hat off to you admitting about the ladies bags lol

Start with a global index - My first investments were home markets only, mostly because it felt safer, and a little bit of hedging because they were undervalued. In reality they underperformed and weren't any safer. Don't miss the crash/bottom - Set and forget can work most of the time, but if there is a nice dip in the market it can be a good time to enter. Keep mining Bitcoin - Yes my Bitcoin did well, but 2000% increase on a lot of still better than 2000% increase on a little.

We'll probably realise what we had when stocks and shares ISA is taken away or cut right down, so far we lose the portion of the allowance we didn't use each year. The £20k limit is reduced every year due to inflation. It's been the same for the last 7-8 years now and will be for another 6. In 2030 it'll probably be worth £12-13k relative to purchasing power of £20k in 2017. When you have your kid, start an ISA for them as their birth present and keep it up as long as you can

ahhh hindsight! with age comes wisdom, we don't get to have both! :)

If you could go back in time and tell yourself something, what would you say? 🤔

I'm 54 and my wife and I are VERY worried about our future, gas and food prices rising daily. We have had our savings dwindle with the cost of living into the stratosphere, and we are finding it impossible to replace them. We can get by, but can't seem to get ahead. My condolences to anyone retiring in this crisis, 30 years nonstop just for a crooked system to take all you worked for...

A great breakdown of so many providers and covering so many services and features they all provide. Excellent

Stupid propaganda....

Thank GOD trump won!!!

Would it be good to max out both if your lucky enough to earn 80k

Michael you are amazing in this interview! Entertaining and the perfect host ❤❤

Not anymore affer the Labour put in another Pension tax grab.

Thank you so much this is brilliant

I will be forever grateful to you, you changed my entire life and I will continue to preach on your behalf for the whole world to hear you saved me from huge financial debt with just a small investment, thank you Natalie Rose Strayer.

She is lying.

Can you clarify if we get any personal allowance as a pensioner? If yes then you can still draw around 1000 a month tax free from the pension. It means you can possibly pay no income tax for it.

Does anyone know if Invest Engine added the LTD employer contributions yet? Thanks in advance

Really good video, this comparison is exactly what I was looking for. I'll have to open a SIPP now. One thing I would like to know, is if I can get my employer to pay my pension into a different pension provider? Because rn they pay into Smart pension, and they only have these ESG crap funds.

Thanks for keeping us informed. I feel for our country, low income people are now suffering to survive yet inflation and recession keep increasing daily, many family can't even enhance the good cost of living anymore. You've helped me a lot Josh Olfert invested 6, 200 and 25,450 in a couple of days

Video now out of date re UK budget at end of October. Pensions no longer exempt from Inheritance Tax from 2027.