@samharleyfinance.bsky.social
I just realised something about high earners and FIRE:
The more you make, the harder it is to leave.
I'm reviewing a case of someone earning £350k, with £950k invested, spending only £40k yearly.
Mathematically? They're basically done.
Emotionally? They're paralyzed.
The more you make, the harder it is to leave.
I'm reviewing a case of someone earning £350k, with £950k invested, spending only £40k yearly.
Mathematically? They're basically done.
Emotionally? They're paralyzed.
May 3, 2025 at 5:22 AM
I just realised something about high earners and FIRE:
The more you make, the harder it is to leave.
I'm reviewing a case of someone earning £350k, with £950k invested, spending only £40k yearly.
Mathematically? They're basically done.
Emotionally? They're paralyzed.
The more you make, the harder it is to leave.
I'm reviewing a case of someone earning £350k, with £950k invested, spending only £40k yearly.
Mathematically? They're basically done.
Emotionally? They're paralyzed.
Why real financial peace isn’t about hitting a number it’s about hitting a feeling.
A thread
1. We chase net worth targets, milestone numbers
But some reach those goals and still feel anxious.
Meanwhile, others with far less money don't.
So what actually creates financial peace of mind?
A thread
1. We chase net worth targets, milestone numbers
But some reach those goals and still feel anxious.
Meanwhile, others with far less money don't.
So what actually creates financial peace of mind?
May 2, 2025 at 7:00 AM
Why real financial peace isn’t about hitting a number it’s about hitting a feeling.
A thread
1. We chase net worth targets, milestone numbers
But some reach those goals and still feel anxious.
Meanwhile, others with far less money don't.
So what actually creates financial peace of mind?
A thread
1. We chase net worth targets, milestone numbers
But some reach those goals and still feel anxious.
Meanwhile, others with far less money don't.
So what actually creates financial peace of mind?
Junior lawyers: your pension contributions could make you a millionaire or be quietly leaving you feeling stressed.
Most of us are either doing too little or too much.
Here’s how to find your sweet spot and build wealth without sacrificing your lifestyle
Most of us are either doing too little or too much.
Here’s how to find your sweet spot and build wealth without sacrificing your lifestyle
April 26, 2025 at 8:15 AM
Junior lawyers: your pension contributions could make you a millionaire or be quietly leaving you feeling stressed.
Most of us are either doing too little or too much.
Here’s how to find your sweet spot and build wealth without sacrificing your lifestyle
Most of us are either doing too little or too much.
Here’s how to find your sweet spot and build wealth without sacrificing your lifestyle
No UK credit history?
Here’s how non-residents can still get a UK mortgage:
• Submit detailed financial records
• Build a UK bank footprint early - open a bank account in the UK
• Expect to put down 25%
Your paperwork becomes your credit score.
Here’s how non-residents can still get a UK mortgage:
• Submit detailed financial records
• Build a UK bank footprint early - open a bank account in the UK
• Expect to put down 25%
Your paperwork becomes your credit score.
April 24, 2025 at 12:40 AM
No UK credit history?
Here’s how non-residents can still get a UK mortgage:
• Submit detailed financial records
• Build a UK bank footprint early - open a bank account in the UK
• Expect to put down 25%
Your paperwork becomes your credit score.
Here’s how non-residents can still get a UK mortgage:
• Submit detailed financial records
• Build a UK bank footprint early - open a bank account in the UK
• Expect to put down 25%
Your paperwork becomes your credit score.
The 3 biggest mistakes busy expats make:
They try to manually manage every account.
They forget to review things regularly.
They put off setting up automation “until they have time.”
They try to manually manage every account.
They forget to review things regularly.
They put off setting up automation “until they have time.”
April 22, 2025 at 7:45 PM
The 3 biggest mistakes busy expats make:
They try to manually manage every account.
They forget to review things regularly.
They put off setting up automation “until they have time.”
They try to manually manage every account.
They forget to review things regularly.
They put off setting up automation “until they have time.”
Unforgettable lessons after helping clients automate:
Most people make better money choices when they’re not making them every day.
Saving small amounts monthly beats trying to time the market.
Set-and-forget is more powerful than willpower.
Learning these changed my life.
Most people make better money choices when they’re not making them every day.
Saving small amounts monthly beats trying to time the market.
Set-and-forget is more powerful than willpower.
Learning these changed my life.
April 22, 2025 at 6:15 AM
Unforgettable lessons after helping clients automate:
Most people make better money choices when they’re not making them every day.
Saving small amounts monthly beats trying to time the market.
Set-and-forget is more powerful than willpower.
Learning these changed my life.
Most people make better money choices when they’re not making them every day.
Saving small amounts monthly beats trying to time the market.
Set-and-forget is more powerful than willpower.
Learning these changed my life.
Here are 4 reasons why anyone who feels tired of thinking about money should start automating:
You’re forgetting to save.
You’re always playing catch-up.
You waste time doing the same tasks every month.
You’re burnt out trying to stay on top of everything.
Honestly, I wish I’d done this sooner.
You’re forgetting to save.
You’re always playing catch-up.
You waste time doing the same tasks every month.
You’re burnt out trying to stay on top of everything.
Honestly, I wish I’d done this sooner.
April 21, 2025 at 4:37 PM
Here are 4 reasons why anyone who feels tired of thinking about money should start automating:
You’re forgetting to save.
You’re always playing catch-up.
You waste time doing the same tasks every month.
You’re burnt out trying to stay on top of everything.
Honestly, I wish I’d done this sooner.
You’re forgetting to save.
You’re always playing catch-up.
You waste time doing the same tasks every month.
You’re burnt out trying to stay on top of everything.
Honestly, I wish I’d done this sooner.
Rethinking the “Shorter is Better” Mortgage Rule
Conventional wisdom says:
Pay off your mortgage ASAP.
Less interest. More freedom. Feels safe.
But in today’s world, that’s not always the smartest move.
Here’s why a longer mortgage term might actually be worth considering:
👇
Conventional wisdom says:
Pay off your mortgage ASAP.
Less interest. More freedom. Feels safe.
But in today’s world, that’s not always the smartest move.
Here’s why a longer mortgage term might actually be worth considering:
👇
April 21, 2025 at 5:57 AM
Rethinking the “Shorter is Better” Mortgage Rule
Conventional wisdom says:
Pay off your mortgage ASAP.
Less interest. More freedom. Feels safe.
But in today’s world, that’s not always the smartest move.
Here’s why a longer mortgage term might actually be worth considering:
👇
Conventional wisdom says:
Pay off your mortgage ASAP.
Less interest. More freedom. Feels safe.
But in today’s world, that’s not always the smartest move.
Here’s why a longer mortgage term might actually be worth considering:
👇
The best examples of financial harmony I’ve seen:
A couple who finally saw all their investments and goals on one screen.
A family who stopped overlapping insurances and saved £3k.
A retiree who saw for the first time how everything fit together.
What others would you add?
A couple who finally saw all their investments and goals on one screen.
A family who stopped overlapping insurances and saved £3k.
A retiree who saw for the first time how everything fit together.
What others would you add?
April 20, 2025 at 4:45 AM
The best examples of financial harmony I’ve seen:
A couple who finally saw all their investments and goals on one screen.
A family who stopped overlapping insurances and saved £3k.
A retiree who saw for the first time how everything fit together.
What others would you add?
A couple who finally saw all their investments and goals on one screen.
A family who stopped overlapping insurances and saved £3k.
A retiree who saw for the first time how everything fit together.
What others would you add?
Benefits of making all the parts of your financial life work together:
You stop second guessing your decisions.
You know exactly where everything is and why.
You avoid overlaps, gaps, and costly mistakes.
You finally feel in control of your money.
Connecting the dots is so valuable.
You stop second guessing your decisions.
You know exactly where everything is and why.
You avoid overlaps, gaps, and costly mistakes.
You finally feel in control of your money.
Connecting the dots is so valuable.
April 19, 2025 at 1:13 AM
Benefits of making all the parts of your financial life work together:
You stop second guessing your decisions.
You know exactly where everything is and why.
You avoid overlaps, gaps, and costly mistakes.
You finally feel in control of your money.
Connecting the dots is so valuable.
You stop second guessing your decisions.
You know exactly where everything is and why.
You avoid overlaps, gaps, and costly mistakes.
You finally feel in control of your money.
Connecting the dots is so valuable.
Here are 4 reasons why anyone feeling financially scattered should start pulling everything into one clear plan:
You don’t know what’s where anymore.
You’re juggling too many accounts and logins.
You feel like you’re missing something important.
You're not sure how all your accounts fit together
You don’t know what’s where anymore.
You’re juggling too many accounts and logins.
You feel like you’re missing something important.
You're not sure how all your accounts fit together
April 18, 2025 at 6:15 AM
Here are 4 reasons why anyone feeling financially scattered should start pulling everything into one clear plan:
You don’t know what’s where anymore.
You’re juggling too many accounts and logins.
You feel like you’re missing something important.
You're not sure how all your accounts fit together
You don’t know what’s where anymore.
You’re juggling too many accounts and logins.
You feel like you’re missing something important.
You're not sure how all your accounts fit together
1/Why the most successful expats have stopped chasing more and what they do instead.
After working with hundreds of British expats, I’ve realised: true financial success isn’t about having more. It’s about knowing what’s enough.
Here’s what I’ve learnt👇
After working with hundreds of British expats, I’ve realised: true financial success isn’t about having more. It’s about knowing what’s enough.
Here’s what I’ve learnt👇
April 18, 2025 at 3:42 AM
1/Why the most successful expats have stopped chasing more and what they do instead.
After working with hundreds of British expats, I’ve realised: true financial success isn’t about having more. It’s about knowing what’s enough.
Here’s what I’ve learnt👇
After working with hundreds of British expats, I’ve realised: true financial success isn’t about having more. It’s about knowing what’s enough.
Here’s what I’ve learnt👇
In your 40s, earning big in Hong Kong can feel like you’ve made it.
But if you don’t have a plan?
You’re not building freedom.
You’re just running harder on a nicer treadmill.
Here’s a no-fluff checklist to fix that:
↓
But if you don’t have a plan?
You’re not building freedom.
You’re just running harder on a nicer treadmill.
Here’s a no-fluff checklist to fix that:
↓
April 17, 2025 at 5:47 AM
In your 40s, earning big in Hong Kong can feel like you’ve made it.
But if you don’t have a plan?
You’re not building freedom.
You’re just running harder on a nicer treadmill.
Here’s a no-fluff checklist to fix that:
↓
But if you don’t have a plan?
You’re not building freedom.
You’re just running harder on a nicer treadmill.
Here’s a no-fluff checklist to fix that:
↓
Financial progress isn’t about getting rich.
It’s how people feel when they look back and realise they’re not stuck anymore.
It’s how people feel when they look back and realise they’re not stuck anymore.
April 15, 2025 at 10:15 PM
Financial progress isn’t about getting rich.
It’s how people feel when they look back and realise they’re not stuck anymore.
It’s how people feel when they look back and realise they’re not stuck anymore.
Another benefit of working with a financial planner:
You make decisions faster.
Because clarity creates momentum
And second guessing slows everything down
You make decisions faster.
Because clarity creates momentum
And second guessing slows everything down
April 15, 2025 at 3:10 AM
Another benefit of working with a financial planner:
You make decisions faster.
Because clarity creates momentum
And second guessing slows everything down
You make decisions faster.
Because clarity creates momentum
And second guessing slows everything down
Your monthly reminder:
The market isn’t making you anxious your lack of a plan is.
Volatility isn’t the problem. Reactivity is.
The market isn’t making you anxious your lack of a plan is.
Volatility isn’t the problem. Reactivity is.
April 14, 2025 at 5:32 AM
Your monthly reminder:
The market isn’t making you anxious your lack of a plan is.
Volatility isn’t the problem. Reactivity is.
The market isn’t making you anxious your lack of a plan is.
Volatility isn’t the problem. Reactivity is.
One way to approach your financial life
Save what’s left over after spending
Buy investments before knowing the goal
Change strategies every time the market moves
Save what’s left over after spending
Buy investments before knowing the goal
Change strategies every time the market moves
April 14, 2025 at 3:06 AM
One way to approach your financial life
Save what’s left over after spending
Buy investments before knowing the goal
Change strategies every time the market moves
Save what’s left over after spending
Buy investments before knowing the goal
Change strategies every time the market moves
Terrible advice I almost fell for:
“All debt is bad.”
Debt shouldn’t sit on the outside of your financial life like a liability.
It should support your goals and timelines
So, if you want to build real wealth, you don’t need to fear all debt.
You just need to learn how to use it properly.
“All debt is bad.”
Debt shouldn’t sit on the outside of your financial life like a liability.
It should support your goals and timelines
So, if you want to build real wealth, you don’t need to fear all debt.
You just need to learn how to use it properly.
April 13, 2025 at 9:41 AM
Terrible advice I almost fell for:
“All debt is bad.”
Debt shouldn’t sit on the outside of your financial life like a liability.
It should support your goals and timelines
So, if you want to build real wealth, you don’t need to fear all debt.
You just need to learn how to use it properly.
“All debt is bad.”
Debt shouldn’t sit on the outside of your financial life like a liability.
It should support your goals and timelines
So, if you want to build real wealth, you don’t need to fear all debt.
You just need to learn how to use it properly.
Most people think learning how to invest takes 10,000 hours.
But I can explain it to you in 30 seconds.
• Markets reward time, not timing
• Diversification is your only free lunch
• Your behaviour matters more than your portfolio
But I can explain it to you in 30 seconds.
• Markets reward time, not timing
• Diversification is your only free lunch
• Your behaviour matters more than your portfolio
April 12, 2025 at 7:00 AM
Most people think learning how to invest takes 10,000 hours.
But I can explain it to you in 30 seconds.
• Markets reward time, not timing
• Diversification is your only free lunch
• Your behaviour matters more than your portfolio
But I can explain it to you in 30 seconds.
• Markets reward time, not timing
• Diversification is your only free lunch
• Your behaviour matters more than your portfolio