The British Economy Is Broken – So What Do We Do About It? I’ve been investing for 25 years. Stocks. Index funds. Property. Crypto. And a little bit with Bonds. And if I’m honest, I’ve never felt more uneasy about the direction of the British economy than I do right now. That’s me being nice about the UK economy. I’ve never felt so shitty about the state of the UK economy. This is because structurally something (well a lot of things) doesn’t feel right. I don’t like to get too political with this group but the current UK economy scares me BIG TIME! This labour is not for the working class! This newsletter is going to start negative. It’s going to be my attempt at keeping you up to date with the UK economy. But I will finish on a positive. As I talk about what me and you can control.And how long-term investing is a MUST in a broken system. MARKET CONDITIONS & MACRO UPDATE Most people are too busy surviving to care about macroeconomics. But if your goal is financial freedom you have to zoom out. Here’s the harsh reality: - Government spending  is about 45% of GDP - Tax revenues historically struggle to rise much beyond ~38% of GDP - The gap is funded by borrowing That gap compounds. Compounding by the way can be negative or positive. Anything relating to the UK economy with this current government of human rights lawyers (dangerous twats) is going to compound negatively. On the flip side, if you invest into assets like global index funds, your wealth will compound positively over the next few decades – based on historical performance. When borrowing compounds, one of three things happens over time: 1. Higher taxes 2. Inflation 3. Currency weakness Usually a mix of all three. We’ve already seen: - Higher stealth taxation - Frozen tax thresholds - Rising cost of living - Mortgage chaos - Public services stretched And beneath all of it? Debt. This isn’t about fear. It’s about understanding incentives. When a country consistently spends more than it earns, the pressure builds slowly… then suddenly.

Look at the attached pic.. Anyone interested in crypto will know how important this is..

Living Month to Month — And How to Break Out of It for Good. Before we get into money tips, investing strategies or wealth building, we need to talk about something far more important: Your day-to-day financial survival. Because the truth is brutal: Nearly half of UK workers are living month to month… one unexpected bill away from stress, panic, or debt. And from my experience? That number feels even higher. I’ve lived month to month for long periods, been stressed to bits over money and constantly anxious. It’s not a good feeling! But here’s what nobody tells you: You’re not stuck because you’re bad with money. You are stuck because the system is designed to keep you there. Today’s newsletter isn’t about theory. It's not about budgeting apps you’ll never use. It's not about feeling guilty every time you spend £3 on a coffee. It’s about a simple UK-friendly system that protects your sanity, builds stability, and finally gets you ahead. MARKET CONDITIONS & LATEST NEWS A lot of people here in the UK won’t give a toss about market conditions because they are living month to month. But for me. It’s important to keep up to date with whats going on so you can invest in the best way possible and so you can protect your financial future. The markets are dominated by silver, gold, geopolitical tensions and of course Trump saying whatever he wants. But underneath all the noise, I’m confident that the macro conditions are about to change in our favour. I’m confident that those of us who are into crypto, will benefit over the next 3-6 months. Our patience will be rewarded, and we’ll be able to take profits. For anyone new to this community, let me know if you are into crypto or not. This skool community is about investing in general. But as I’ve said in recent weeks, the priority over the next few months will be crypto investing. Then we’ll focus on long term investing with stocks, index funds, property and crypto – basically anything that will help us hedge against inflation.

Gents - this Sundays call 📞 might be a bit negative from what I’m hearing… @Philip Coser @Matthew Thompson @Mark Franco Spiller It’s looking like the US government are going to shut down this week. Whether it happens or for how long I’m not sure… If it does. I’ll be spending less time with my head in crypto. Despite the uncertainty and volatility- I’m still bullish for 2026… but crypto is doing my head in at this point… Anyway we’ll cheer each other up on Sunday I’m sure. Have a good week! Speak soon 👍

Evening gents. The newsletter will be published tonight as I'm in meetings all morning tomorrow... When I publish it, please can the active members interested in monthly call - tell me in the comments. This sunday @1pm Or next sunday @1pm Looking forward to catching up.