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If I Started Investing in 2025 This is What I'd Do

If I Started Investing in 2025 This is What I'd Do

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 In this value-packed episode, Robin breaks down a practical and straightforward framework for building wealth in 2025. Whether you're a new investor or an experienced business owner, discover actionable tips on avoiding risky schemes, creating multiple income streams, and mastering the mindset needed for financial success. Learn how to protect your cash, grow your savings, and use creative strategies to turn small investments into big rewards, all while building a life of freedom and security. What You'll Learn in This Episode: 1. Say No to Get-Rich-Quick Schemes Why low-risk, consistent investments beat crypto hype and day trading.The key to understanding your risk tolerance. How to Review Your Finances and Set Smart Goals Before jumping into the latest investment trends, it's important to know exactly where you stand financially. Think of it like mapping out your route before starting a road trip, you need a clear starting point. Here's a simple process to help you review your current finances and set goals that actually fit your life: Take Inventory: List your income, expenses, debts, and assets. It's not glamorous, but knowing what comes in and goes out is the foundation for making smart decisions.Check Your Safety Net: Do you have emergency savings (think: at least three to six months of expenses)? If not, this should be goal number one.Define Your Goals: Whether it's a new business, early retirement, or simply being debt-free, write down what you want your money to do for you in the next year, five years, and even further out.Prioritize and Create a Plan: Break big dreams into smaller, actionable steps. For example, if home ownership is on your list, research how much you’ll need for a deposit and set up an automatic monthly transfer to a savings account.Schedule Regular Reviews: Set a monthly reminder to check in with your progress. Life changes, and so should your plan.Get Guidance (Optional): Sometimes, a second opinion helps. Consider speaking to a financial coach or using online tools like NerdWallet or MoneyHelper to double-check your maths and strategy. Building wealth isn’t about having a crystal ball, it’s about knowing your numbers and setting targets that push you forward... 2. The Real Cashflow Problem in Business Why most businesses don't have a cashflow issue.The two real challenges: making money and keeping it. 3. Adopting an Investor's Mindset Shifting from scarcity to abundance thinking.Small daily habits that build long-term wealth. 4. The Power of Starting Small A real-world example of turning £200 into £100,000.How multiple income streams reduce risk and maximize returns. 5. Protect Your Cash and Save Smartly Living within your means to safeguard profits.Creating a six-month safety net for peace of mind. 6. Exploring Passive and Digital Investments How to invest in domains and digital assets.Balancing active and passive income for better time freedom. 7. Freedom is the Ultimate Goal Using investments to buy back your time and focus on what matters.Why the best investment is the one that creates memories and life satisfaction. Ready to start your investing journey? Hit play and get inspired to take action in 2025! How to Divide Your Money for Maximum Security and Growth It all comes down to a simple but powerful system: separate your money into three distinct “pots” based on what you’ll need and when. Here’s how to make your financial foundation rock solid, no matter where you’re starting from: 1. Immediate Access , Everyday Essentials & Enjoyment: Think of your current account as the engine that fuels your daily life. This is where your income lands and where you manage your living costs: groceries, bills, your morning flat white, or the occasional gig ticket. These day-to-day expenses should always be paid for from the money flowing into this pot, nothing fancy, just financial common sense. 2. Short-Term Savings , Your Six-Month Safety Net: Before getting fancy with stocks or property, make sure you’ve set aside enough to cover six months of expenses. This stash isn’t for big dreams, but for life’s curveballs, a broken boiler, car trouble, or job hiccup. An easy-access savings account fits the bill, letting you tap into funds instantly without disrupting your long-term plans. This layer keeps you out of panic mode, so you’re never forced to cash out your investments too early. 3. Long-Term Growth , The Future-You Fund: After locking in your cash buffer, start thinking ahead, way ahead. This is where you put money to work for major goals: retirement, launching a dream project, or that big move overseas. Here, you can look at investments with a longer runway, like index funds, ETFs, or even a carefully chosen blend of shares and property. Compounding does the heavy lifting, steadily growing your pot far more than leaving it to languish in the bank. Remember, these “pots” aren’t locked boxes, they’re flexible and can change with your ...
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