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@jacktill36107 ай бұрын
i dont really comment that often but would love to see James shack come on the podcast!
@imbarmstrong7 ай бұрын
😂 I just came on to say the exact same thing! Think James is the last of the UK Finance KZbinrs I watch who hasn't guested on this podcast or collaborated with Damien on his channel!
@michaelbuckmaster007 ай бұрын
I’d love this, great comment
@g1nge2117 ай бұрын
They may need to do it in his kitchen though 😁
@robincandy70647 ай бұрын
I always thinks James Slacks examples are somewhat contrived, oh look I'll alter this parameter and now this one and hey presto I've given you the answer you wanted.
@joshholland90207 ай бұрын
I agree
@chrisbourne-retirementplanner7 ай бұрын
Thanks for having me on guys I really enjoyed it. Good chat about lots of topics.
@queensberryrulez53067 ай бұрын
Great advice
@user-qk5fg7ye5p7 ай бұрын
Great episode. Loads of useful info Chris - gained a new subscriber!
@chrisbourne-retirementplanner7 ай бұрын
@@user-qk5fg7ye5p Thank you. Welcome to the channel!
@chrisbourne-retirementplanner7 ай бұрын
@@queensberryrulez5306 Really glad you enjoyed it.
@Solihul8867 ай бұрын
Thank you for the insight, enjoyed the video
@LordBenjaminSalt7 ай бұрын
The main thing I think is missing in all of the retirement planning and financial planning content and providers I see everywhere is content aimed at what I consider the normal worker. I work in a warehouse with roughly 600 people in (depending on time of year). Among them, there's about 20 people who earn more than £35k a year; the other 580 are on just above minimum wage. I watched a video a few weeks ago, I can't remember who from, that was saying it was addressing "low earners", which turned out to mean people earning the average UK wage of £36k. Most of my friends and colleagues will never earn anywhere near £36k (adjusting for inflation). The most common response I see when people mention this in comments is "well they need to stop being lazy and get a better job". Most of them are in some group like "Single mother living paycheck-to-paycheck" and will likely never be in a position to stop working and upskill, and don't have the time to take evening classes. The few people I've discussed retirement planning with have almost all told me that it's impossible in their position, so they'll just have to work until they die; they're essentially hoping for massive societal reform to free them from the trap one day; or (most commonly) they just don't think about it because it's not an option. 🪮
@jordy466827 ай бұрын
Biggest lie in the UK is the "average salary"... Ask 10 "average" people and you'll get huge variance. 7-8 will be on close to minimum wage. 1-2 will be on £35-40K and 1 will be £40-60k. Ask someone in mainland Europe, Belgium or Netherlands for example and the 8/10 of people will be quite close to the actual average salary.
@maall11857 ай бұрын
@@jordy46682the median salary is about £35k. So if asking 10 people, there should be 5 people earning less than 35k and 5 people earning more than 35k.
@deborahrose70477 ай бұрын
That's exactly my point, they ignore women,low earners, so this message is not very valuable to those groups....
@GrandPlato7 ай бұрын
This can be very true. Most of these contents presume folks have a lot of spare cash to contribute towards a pension, when in reality people are opting out especially where there are no decent employer-matched contributions. However, I think even lower earners should still try and make some contributions towards their pensions and benefit from the tax relief as anything is better than nothing. Median UK pension pot is around £107k at age 60, which would roughly be a £95 per month contribution over 35 years at around 5% returns. Not a lot but definitely could help.
@UKGeezer7 ай бұрын
Maybe a good video opportunity for Damien - investing for single parents and low earners. Anything they can invest into a pension is better than nothing - tax relief, employer contributions and compounding all add up even for tiny contributions.
@Lee-hi1vp7 ай бұрын
It’s been mentioned a few times about financial advisers not really catering to people in their 20/30s. KZbin is an amazing resource for learning, can you cover some of the books that you would recommend a young person to read for future planning/understanding finances? Love the content, you have changed my financial life for the better, thank you
@MakingMoneyPodcast7 ай бұрын
Thank you! And yes great idea 📖
@FinancialConsultdotcodotza7 ай бұрын
Here is some financial advice for 20/30s from a financial advisor. I'll do it in the form of a question. If you save $500 pm from age 20 to 30 and stop investing vs. starting with the same amount at age 30 to 55...which one will give yo a larger capital amount at age 60?
@FirstMM7 ай бұрын
@@FinancialConsultdotcodotza That is just a maths question. If you start at zero and invest $500 between the age of 20-30 and then just let the money sit without adding anything else, and assuming a growth rate of 5% per year, at age 60 you will have about $350k. If you do the same but start from zero at 30 and stop adding more at 55, you will have about $370k (you will reach $350k at age 59) but it will have cost you an additional $90k to get there (25 years worth of $500 a month vs 10 years of $500 a month).
@FinancialConsultdotcodotza7 ай бұрын
@FirstMM congratulations, it is maths that solve many retirement issues, and in this case, for the 20 - to 30 year olds, it shows them the importance of investing early.
@RiskOnInvestor7 ай бұрын
Big fan of Chris' content, great chat chaps. I've personally found building my own cash flow model super helpful for planning ahead and highly recommend anyone with a bit of excel skill doing it, it really help highlights some of the flaws of 'conventional' withdrawal content online
@spartacusptolemaida7 ай бұрын
I need Damien,Chris,Ramin and James Shack for an epic Podcast
@mimigization7 ай бұрын
Don't forget Pete Matthew.
@mccannger7 ай бұрын
Could we do it like Question Time, with a live audience or maybe we post questions before it on KZbin ⁉ Agree with other poster re Pete Matthew, too. Cheers
@jamiebishop95122 ай бұрын
Some different angles here Damian. What a great addition to your online resources. Thank you for taking the time to create this content. You have really helped me.
@29erguru7 ай бұрын
“Think about how much value you can add to as many people’s lives as possible. Money will come as a by-product.” Brilliant stuff Chris
@rhinoboy66037 ай бұрын
I don’t understand what he meant. I’ve heard people say this before and I would love it if I am wrong but I don’t think the richest people are those who have “added the most value to the most peoples lives”. I guess it depends on what you call value but to me people who add the most value have often sacrificed in the financial department. If he just means financial value then maybe, but not in all or even most cases. In the big leagues I’d argue that a lot of big businesses detract value, (ie bookies) and if you consider health, well-being, happiness as value I don’t think one leads to the other at all.
@Rakschas6666 ай бұрын
That is how you build reach and a platform. Money can come as a byproduct, but it wont necessarily. Wikipedia is an example of that. But it can work, i.e. Facebook or Google. Apple is the counterexample, their wealth is build on a model of percieved exclusivity. Apple never catered to people with no money. At points that impeded growth, at others it secured survival.
@johnbris57 ай бұрын
This is probably the most comprehensive and clear life planning advice I've ever come across. Thanks.
@Trigger19737 ай бұрын
Great video, I’ve been watching yours and Chris’s channel for couple of years now and the content is super helpful. His video with the plastic colour blocks to show how you can take over 25% TFC was a lightbulb moment. Keep up the great content. Brilliant gag at the end of this one T. 😄
@nickd19737 ай бұрын
Great to see both Chris and Tom on your recent podcasts. Chris gave me some invaluable info on pension contributions that is really making a difference. Much appreciated 😊
@imbarmstrong7 ай бұрын
Nice to see Chris on here. I think that just leaves James Shack as probably the one remaining UK Finance KZbinr I also watch that Damo's not collaborated with! 😅
@Nova2Yung7 ай бұрын
I love these podcasts, they give me hope, the guests you have are absolutely fascinating and my most favourite has been Andrew Craig, i have learnt more from this channel than School on managing my finances, without you 2 i would have been piss poor with no hope in life whatsoever, thank you for these podcasts and may the British people reward you all immensely, much love to you both , from the bottom of my heart❤
@DamienTalksMoney7 ай бұрын
Love this comment thank you so much! 😊
@MarkCW7 ай бұрын
Great video as always. I forgot about the child pension (already have a child ISA) so that was useful. There are always handy things to pick up from your videos.
@jamiefarrell44257 ай бұрын
Great to see Chris on your show. I’ve followed his channel for years and learnt so much from him!
@bernardo.daSilva7 ай бұрын
39:07 why is this not thought in our schools? The starter rate savings band.
@rickym13017 ай бұрын
First time watching you boys, really enjoyed the whole thing! Well done and thank you!
@Abdul_Rahman867 ай бұрын
I invest my money in a SIPP to protect my money from 2 incredibly dangerous things. 1) Myself 2) inflation
@MrFrobbo7 ай бұрын
1. Is key with such easy access to platforms, your own money and YT/News fear mongering. Well spotted
@johnporcella23757 ай бұрын
3. The State?
@darrianwilson65454 ай бұрын
It's good to hear talk on current lifestyle too. I fear too many people do without today to finance their tomorrow. I've experienced how life isn't all that fair so do champion the cause of remembering to live for today whilst having a keen eye on tomorrow 😊
@F0ssil7 ай бұрын
Hi Guys, enjoying this video but it seems that when talking about creating wealth etc the focus seems to be on younger people (20/30). Which is great, but it would be nice to see some content for older people who may have missed the boat when younger and are now looking to be better (50/60 y/o etc) , people that cannot really change career for various reasons (asking for a friend of course). But it would be nice to see that kind of content (cannot find a comb emoji though :))
@Equitybonds247 ай бұрын
lots of videos about this..
@F0ssil7 ай бұрын
@@Equitybonds24 I am struggling to find them, at least amongst the people that i am viewing
@hughiemg27 ай бұрын
My first thought would be that the steps and tools are the same, unfortunately the time horizon for compounding to work it's magic is shorter. Working off the assumption that an older person will have lower mortgage left to pay or no mortgage at this stage then they can be more aggressive on salary sacrifice on to pension to maximise the 60k personal allowance and build the ISA pot.
@blakevincent57866 ай бұрын
As a man of 50, let me think about that….save and invest as much as possible? Yep, that should cover it. If you are behind track, go all in on equities. If you are borderline, be more conservative, especially last few years ahead of retirement date, Use KZbin to learn more, create a simple savings build-up and retirement spending outlook Excel spreadsheet to calculate how long your money will last in retirement and crack on. If this seems too difficult, spend a few hundred quid and consult a professional. 👍🏼
@ttrjw7 ай бұрын
Good point on EM active management. That's why there are no fewer than *three* Vietnamese investment trusts listed on London.
@JoeHardacre7 ай бұрын
I think on the point of wanting the optimal path for finance and investment is because we're constantly being shown how much 4-5 years of compounding will add to our wealth down the line. I completely understand that just getting in with some investment is better than procrastinating cause you don't have the perfect goal, but investing success is also heavily dependant on having the time to see those investments flourish. So i can see why people would ve dishesrtened at "wasting" years with suboptimal investments or just investment mistakes because those years might have made them thousands at the end of their investment journey had they got it right the first time
@keithclunk31257 ай бұрын
Chris Bourne - Top bloke. Sharp as a butcher's knife when it comes to finance beyond the every day stuff.
@boyasaka7 ай бұрын
I’m now paying 50 percent of my wages into my pension and work pays 10 percent So 1700 a month into pension I currently have 125 k and at 8 perceht growth per year ( if I can get that ) in 8 years time I could have 460 k when I turn 60 and will be retiring like a shot
@stuartthursfield433313 күн бұрын
Would the state pension also contribute towards your taxable income? Along side your work place pension.
@benfarmer-webb101611 сағат бұрын
Yes. The state pension is used first for your personal allowance. Then the rest of it is used on any private pensions you have until you pass the threshold and start paying the basic rate of tax
@Jonathan-lf6nq6 ай бұрын
"It doesnt need to be optimal it just needs to start" - that hit me like a smack in the face. Great line. Stealing it. Keep up the great work Damo, new listener but love the show.
@coley2403877 ай бұрын
Really good one. Loving the videos they are so helpful and informative.
@gothenburg837 ай бұрын
Great episode. Wish it was 3 hours long. Not 45 mins!
@Liensy7 ай бұрын
I opened a stocks and shares ISA this year and used up the allowance already. I also have a cash ISA which I would like to transfer to my Stocks and shares ISA. Will I be penalised in any way as I would like it in a more tax efficient tool. As you say, I opened the cash ISA out of fear, like 70% of the UK.
@hachimaru2957 ай бұрын
both of them are zero tax so equally efficient but the ss isa can give u bigger returns over time there should be not penalty to txfr
@lajollapowell40687 ай бұрын
Great episode - I think Chris is great his tax insights are invaluable!
@caratdrol75248 күн бұрын
Thank you for creating a UK-Based financial channel. More power to you, lads!
@dungster337 ай бұрын
Would love to hear a discussion about if your financial goal is on track, then something happens that rocks your path. Say loosing a job or long term illness.
@DamienTalksMoney7 ай бұрын
🪥I can't find the comb..
@mccannger7 ай бұрын
Great episode, nice 1. Idea for another episode: introduce folks to Monte Carlo simulations. It really builds on the 4% stuff, takes it to a whole new level and gives deeper perspective on future planning so we can have more confidence than the 4% rule gives.
@michelpohl10197 ай бұрын
Nice video! Is it really worth it to plan holding much cash just to benefit from the starting rate from savings? I'm thinking about that since interest rates are very variable and anyways in general interest rates do not compensate enough for inflation. Or maybe that could be a nice thing to think about let's say in a retirement strategy with a cash buffer to mitigate potential market downsides as that cash buffer would earn interest anyways (if not invested in a low risk asset)
@stephenlewis20847 ай бұрын
💈✂️ can't find a comb emoji!
@andrewn73407 ай бұрын
Just promise us if you get James Shackell on that you'll do it in *his* kitchen. Iconic.
@MakingMoneyPodcast7 ай бұрын
What if we told you it is the same kitchen.
@andrewn73407 ай бұрын
@@MakingMoneyPodcast Then I'd say T needs to up his soft focus lighting and man smouldering game
@OpenDoorEnglish7 ай бұрын
Spain is brutal - no ISAs or any ways of investing in a tax efficient way. You get hit on absolutely everything.
@Rannerz7 ай бұрын
Same as Ireland
@robertjacobs84717 ай бұрын
There is the concept of the tax efficient Spanish Bond, does offer significant tax savings. I invest via Utmost in this way... but yes it's true Spain is much more limited in option for tax efficient savings.
@bago6966 ай бұрын
Ireland is brutal for taxes, hammered from every angle
@Qwairy5 ай бұрын
@@bago696Unless you are an international megacorporation lmao
@xiaomingzheng7 ай бұрын
How to use £5k Start Savings Rate? Does the £5k has to be from savings interests?
@daviddawson90997 ай бұрын
www.gov.uk/apply-tax-free-interest-on-savings check the government website it explains what is allowable interest,
@AKAMustang7 ай бұрын
It's a weird niche that probably isn't applicable to most people. e.g. Work a part-time minimum wage job and have over £20k in savings. But you don't have to do anything to use it. You just don't get taxed automatically because HMRC know all. www.gov.uk/apply-tax-free-interest-on-savings
@hachimaru2957 ай бұрын
maybe need a bank giving 5% that will let you pay in more then a measly amount to get a decent return
@DKNW627 ай бұрын
Chris is a great resource, I’ve learnt a lot from his generous explanations, comes across with great integrity. Would love to hear more about tax efficiency also what additional things people can do if already paying into government pensions. On the work front sadly a lot of companies don’t reward hard work and talent alone, it’s naive to think this this. Finally after a long career it’s also balancing well being, being valuable a specialist talent will bring more earnings potential but this is usually comes at a personal cost. Great video guys
@TomRyanElliott7 ай бұрын
That emoji at the end 😅. I've just opened a business for my B2L property and I know what you mean about the Pension instead
@Rakschas6666 ай бұрын
14:00 You cant outtrain a bad diet. And our ability to adapt a bad diet far outmatches our ability to train more, better and harder. Not sure how far this comparison tracks.
@gobot44557 ай бұрын
I agree with him 100%. I did a FPV analysis basing retirement on a purchasing power I had in 2018 using the average inflation rate since 1972. Everyone else's needs are different but the FIRE nerds on reddit are a special breed.
@sorindstoian32627 ай бұрын
Thank you for all the knowledge that you shared with us. Your videos are creating so much value 🎉
@cybermuse69177 ай бұрын
💇 Keep up the great content guys! Would love to see a transparent episode which is a walkthrough for someone. I know its different for everyone but I imagine seeing a real life case often would be better than what most are doing anyway!
@grahammills57077 ай бұрын
Great content guys and great choice bringing Chris in for him to share some of his insights- he has really helped me shape a tax efficient retirement plan - his channel is a must watch!
@MrBerry677 ай бұрын
Great number of tax incentives in the UK, people need to do what they can to take advantage of them. In Australia there are no tax incentives for investors in stocks and shares, sure there are benefits when taking retirement funds out including no inheritance tax, but so important to take advantage of ISA tax free allowances and gross up pension contributions
@Solihul8867 ай бұрын
Enjoyed this video, thank you
@deborahrose70477 ай бұрын
The thing is it doesn't take into account career breaks to have children , low wages because jobs Looking after children, it would be good to have examples which talk about people with changing finances, unemployment, sickness etc
@djcr_917 ай бұрын
One of Damien’s recent videos discusses this so well worth a look if you haven’t seen it. The common guidance is a fixed percentage for pension/investment contributions throughout a working life, but as you say this isn’t always practical or realistic. It’s a great video and I found it very reassuring!
@olliebrown895 ай бұрын
Some golden nuggets in this, nice one.
@OneAndOnlyMe7 ай бұрын
Loving this collaboration!
@xiaomingzheng7 ай бұрын
Where can I access Voin software?
@Dr.JubairsFinance7 ай бұрын
He was Bourne to be on this podcast
@capcomgenius39747 ай бұрын
Great show guys, enjoyed this one!
@kevwallis1007 ай бұрын
Excellent…..
@MrMckechnie87 ай бұрын
Great vid as always, i would love to see a vid on sipps and the benefits on tax breaks as a sole trader, thank 👍🏻
@jesusrevus80177 ай бұрын
Good stuff! Just upped my pension contribution to 18.5% from 7 with employer putting 7% in too. My pay is only down £200 a month but I get £100 child benefit back. Lots of ways to improve pension savings. Channels like this are really helping people. 👊
@simonw14217 ай бұрын
🪮 Great video again!
@dubsdolby94377 ай бұрын
He seems a knowledgeable guy . It would be interesting to see these advisors' portfolio performances over 3 -5 and 10 years. There are not many that are that transparent on youtube. A few are, but not many. If i was paying an advisor, i would want to see how good he is with his own personal wealth.
@Adrian-vf6kh7 ай бұрын
As they say “a financial advisor who is poor, is a poor financial advisor”.
@theoceanman62217 ай бұрын
Have James Shack on please!
@davies01217 ай бұрын
Another excellent podcast (I also follow Chris on his channel). Sorry, I couldn't find a comb emoji .🤣🤣
@sk00v2 ай бұрын
I thought that was Harry Mack at first and was waiting for some freestyle on building wealth!
@Paul-uy9it7 ай бұрын
Great episode, thanks guys.
@nicholarichards48036 ай бұрын
So informative, thank you
@TaiwoOmotosho-m9v7 ай бұрын
Very beneficial.Kindly invite Edmund Bailey to discuss about NHS Defined Benefits for those directly employed by NHS but many forget the millions of temporary workers that are working through private contractors and locum agencies who are workng in NHS hospitals but not consideerd as NHS employees so are left out of the pension scheme. Why is no one addessing these groups of individuals and how to get them out of poverty ?Auto enrollment default strategy is a joke !Unfotunately,Hundreds of thousands of Immigrants are in these categories from cleaners to secuity officers to doctors and nurses.Hope Edmund Bailey whose wife is in the scheme could educate the large pool of temporary workers helping build our NHS
@daviddawson90997 ай бұрын
What about a LISA?
@CaliToTheCrowd6 ай бұрын
Great Pod lads
@nicnaks68b257 ай бұрын
Great episode
@jonnyporter6 ай бұрын
Great episode guys 🪮
@manymoms9202 ай бұрын
Im just listening to those west mid accents ( I’m more Worcestershire but it’s close enough)
@Riaan31087 ай бұрын
Great guest, tax is hugely important.
@foreignermakingmoney-phili14587 ай бұрын
great vid
@MakingMoneyPodcast7 ай бұрын
Thank you!
@seanfitzpatrick15317 ай бұрын
Enjoyed the episode 🪮😂
@Roberto-lc4hk2 ай бұрын
✂️ no comb but here goes 😂 love your work!
@martinbower29157 ай бұрын
The tip for contributing into a childs pension for 20 years with tax relief, then letting it compond is really good.
@Carlos-pg3hs6 ай бұрын
Great video 👏
@paulhignett3785 ай бұрын
I took financial advice and moved money to stocks and shares isa and lost 15% in 6 months and only made 0% gain 18 months on. But my FA still took his fee - just remember folks FA’s will take the fee even if they don’t his the promised targets.
@Desmond.TuTu.3 ай бұрын
If you use such small time frames to judge investing performance in stocks, maybe the stock markets not for you, maybe a cash isa is more your style 🤷🏻♂️👍🤔
@Huwsview7 ай бұрын
Here for you Damo! ✂️👨🦲😂
@ChrisBird17 ай бұрын
No harm in having £200,000.00 in an Isa drawing it down tax free whilst drawing other income ,keeping below the TAX threshold .. £22,000 per anumm tax free is easy then .
@m-19176 ай бұрын
15:24 good point. not gonna lie
@seanwalsh1687 ай бұрын
Not going to lie. The thumbnail had me thinking this was an interview with Dave Gorman
@declanmcardle7 ай бұрын
Indian investing didn't work for me...I said 'Ta-Ta" on the way out...
@AKAMustang7 ай бұрын
Up 83% in the last year.
@Phucket243 ай бұрын
Another cracking show can you one day invite Dominic Frisby I think he would make a great guest
@jakkuwolfinsomnia80584 ай бұрын
Stocks are not the end all. For me, it’s about accumulating a strong diverse foundation that can protect you, back you up, and/or cover you later in life or in times of super serious financial strain. The main focus should be you starting your own business or working at your job to meet your financial goals. I would rather spend my life trying to make it than spending my life afraid of the thought to make it. What helps me feel better is knowing behind me are my backup, my “if all else fails” kind of investment
@Swingking19776 ай бұрын
🪮loving your work fellas
@666cowie6 ай бұрын
I don’t feel that people are told only to invest in the market. However most people are told not to try and pick individual stocks. And that most people don’t want to know or don’t understand, therefore the market is arguable the easiest thing to do. That and the fact Warren buffet said exactly that. Most people are just wanting a quick fix.
@yugensea56167 ай бұрын
I add money into my cash ISA to build an emergency fund… that gives me peace of mind, so I can start investing in stocks and shares knowing that I still have an emergency fund in case anything happens. That’s my plan!! Not the best though, bu I think it what works for me
@rjScubaSki7 ай бұрын
That’s a waste of the allowance. Use premium bonds or easy access savings.
@coderider30226 ай бұрын
Need to get on Meaningful money , he’s pretty good too.
@ukulelalienation2 ай бұрын
James is a great finfluencer. A safe pair of hands.
@BVisa7 ай бұрын
Can we take a moment to appreciate Damian's hair line ☺
@PaulReardon-qh9fk7 ай бұрын
Where is that bloody comb emoji!!!! 😂😂😂
@MakingMoneyPodcast7 ай бұрын
😂 here you go 🪮
@actuallythedog2636 ай бұрын
‘’CEOs have been asking me to help employees with their savings” course they have Damo 😂
@MakingMoneyPodcast6 ай бұрын
I wouldn’t have started a business if there wasn’t demand from the market.
@paulturner44197 ай бұрын
Don’t bother with Voyant just find a good retirement calculator and don’t trust Monte Carlo which is a waste of time,
@muffemod7 ай бұрын
Cutting consumption has a greater impact than making more money.
@safc29517 ай бұрын
Inflation is Also how much you waste on crap
@johnporcella23757 ай бұрын
Maybe somebody can check my maths here! Investing £3,600 gross for eighteen full years in a newborn's SIPP, say, growing uniformly at 5% per annum would not reach £1m as stated, after say fifty years (I am assuming retirement at 68). (3,600 × 18) × 1.05^50 = £700K to £800k. At 6%, it definitely breaks the one million mark.
@coderider30226 ай бұрын
You would have paid 64k in but incl 2.5compound growth (bond rates) would give you 100k in todays money. Leave that 100k for 50yrs would easily get 1m. Your missing compound interest on the 1st 18yrs and I would assume 3.5-5 above inflation is more realistic. Would be a great labour policy to solve the current Ponzi scheme.
@johnporcella23756 ай бұрын
@@coderider3022 Yes, you are absolutely correct! I forgot to compound up the contributions in the first eighteen years!
@GeorgeMcEntegart7 ай бұрын
No comb emoji but this will do...💈🤣
@saxofonistacr4 ай бұрын
Only pay a financial advisor the same percentage he is going to pay you if you lose money. Financial advisor is the best job deal in the world. You do what I tell you if ends right I get part of it. If not you just lost your money. And the only thing I have to do is talking
@LSNUFC6 ай бұрын
✂ Doesn't seem to be a comb emoji.
@polkadotshillor4 ай бұрын
Financial advisors seem like a scam, surely all they do is say out it in index fund and put in isa and put more in pension especially if you in marginal tax rate