The Money Guide I Wish I Had
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Why most investors are playing a game they can’t win
There’s no beginner’s league in investing. You’re trading in the same pool as institutions built to win.
15 hrs ago
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Iary Dell'Elce
1
1
Lifestyle creep isn’t a discipline problem – it’s mostly maths
Someone earning £45,000 should have more money left over than someone earning £35,000. Except it doesn’t always happen that way.
Feb 15
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Iary Dell'Elce
18
2
3
Why higher earners can look less financially secure
Someone earning £35,000 with a £100,000 deposit from family can own a three-bedroom house in Sheffield. Someone earning £75,000 without family help is…
Feb 11
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Iary Dell'Elce
6
2
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Most Popular
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Gold vs silver: what problem are you actually trying to solve?
Jan 28
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Iary Dell'Elce
21
3
Lifestyle creep isn’t a discipline problem – it’s mostly maths
Feb 15
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Iary Dell'Elce
18
2
3
The next phase of AI investing runs through energy infrastructure
Feb 4
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Iary Dell'Elce
9
1
6
You saved, avoided debt, didn't do anything stupid - so why are you still stuck?
Feb 1
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Iary Dell'Elce
9
1
1
What financial progress actually looks like (and why it’s easy to miss)
Feb 8
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Iary Dell'Elce
8
3
1
Why higher earners can look less financially secure
Feb 11
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Iary Dell'Elce
6
2
1
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What financial progress actually looks like (and why it’s easy to miss)
Progress doesn’t feel linear.
Feb 8
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Iary Dell'Elce
8
3
1
The next phase of AI investing runs through energy infrastructure
AI scaling isn’t limited by chips anymore. It’s limited by power, grid capacity, and who can deliver it first.
Feb 4
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Iary Dell'Elce
9
1
6
You saved, avoided debt, didn't do anything stupid - so why are you still stuck?
There’s a version of personal finance advice that treats progress like climbing stairs. Save consistently, avoid stupid debt, live within your means…
Feb 1
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Iary Dell'Elce
9
1
1
Gold vs silver: what problem are you actually trying to solve?
Gold just hit another all-time high. Silver’s up too, though less dramatically. Oil’s climbing. The usual pattern: uncertainty shows up, and people…
Jan 28
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Iary Dell'Elce
21
3
Xiaomi: The Cost of Standing Still
I increased exposure to Xiaomi this week.
Jan 25
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Iary Dell'Elce
2
1
Why earning a decent salary often doesn’t translate into progress
A £40,000 salary sounds reasonable. It’s above the national median. It puts you in the top half of earners. You’ve probably worked hard to get there …
Jan 21
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Iary Dell'Elce
3
1
What I wish I'd understood earlier
For a long time, money felt like something I was supposed to understand, but didn’t.
Jan 19
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Iary Dell'Elce
4
1
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The Money Guide I Wish I Had
Clear, practical money advice for people who want to understand their finances without the noise.
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