£200 a month invested at 8% for 30 years could grow to around £298,000.
That's the power of time and compounding.
Yet most schools teach us algebra before they teach us compound interest.
People will happily borrow £5,000 on a credit card at 24% interest but say investing is “too risky”.
Borrowing could turn that £5,000 into £15,800 over five years.
But investing a little every month to build wealth? Suddenly that’s dangerous?
What’s with this thought process?
Want a £500,000 investment portfolio?
Investing around £600 a month for 25 years could get you there, assuming 7% annual growth.
Your contributions would total £180,000.
The remaining £320,000 would come from investment growth.
Time really is your biggest advantage.
Why do so many people leave most of their money sitting in a bank?
Cash earns around 3.75%.
Meanwhile, the S&P 500 and global markets have returned roughly 13% annualised over the past decade.
Cash feels safe, but missing out on long-term market growth has a cost too.
Sometimes, playing it safe is the expensive option.
$META has a market cap of around $1.6 trillion.
It makes $75B in profit a year.
Anthropic is apparently targeting a $1.4 trillion + IPO valuation.
It’s also reported a $104B loss in the first 9 months of 2026 (largely accounting losses).
Fair enough, $ANT revenue has grown 1,206% year-on-year, which is insane.
But surely $META deserves a bigger premium than this?
What am I missing here?
$TSLA makes $3.2 Billion in profit a year.
$META makes $75.2 Billion.
$AVGO makes $38.3 Billion.
And yet all three companies have the same market cap.
Tesla generates less than 5% of Meta’s profits.
Broadcom generates almost 12x Tesla’s profits.
Yet investors are paying roughly comparable valuations for all three.
What am I missing here?
$TSLA makes $3.2 Billion in profit a year.
$META makes $75.2 Billion.
$AVGO makes $38.3 Billion.
And yet all three companies have the same market cap.
Tesla generates less than 5% of Meta’s profits.
Broadcom generates almost 12x Tesla’s profits.
Yet investors are paying roughly comparable valuations for all three.
What am I missing here?
Would you take a £10k pay rise if it meant adding 90 minutes to your daily commute?
That’s 7.5 extra hours commuting every week.
Personally, I wouldn’t. At some point, the extra money isn’t worth giving up more of your life.