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Curated by: The Compounding Project (76 videos)
In this video, I share a real-life personal finance decision: what to do with a £2,693.69 work bonus. Instead of immediately investing it, increasing pension contributions, or trying to optimise every pound for tax efficiency, I’m choosing to pause and build up my cash reserves. I talk through higher-rate tax, pensions vs ISAs, emergency funds, buy-to-let uncertainty, and why the emotional value of cash is often underrated in personal finance. This isn’t financial advice - just an honest look at how I’m thinking about money, flexibility, investing, and financial calm in my mid-30s. I use Trading212 and this link will earn us both a free fractional share - https://www.trading212.com/invite/11PWCchnpE Topics covered: work bonus, investing vs saving, UK personal finance, emergency fund, pension contributions, ISA investing, higher-rate tax, salary sacrifice, financial flexibility, cash reserves, and building wealth slowly.