Financial Independence, on my terms
I am building a £1m portfolio for more freedom, one decision at a time. This is where I write about the real journey, not just the spreadsheet version.
It is about what progress actually feels like, how your definition of enough changes, and the trade-offs that come with trying to build a freer life.
Start with the latest writing
These are the most recent notes from the journey: the practical choices, the emotional shifts and the trade-offs I am still working through.
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How Much Should I Invest Each Month to Reach £1m?
How much to invest monthly to reach £1m, using time, contributions and illustrative returns.
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The Freedom I Didn’t Expect to Value Most
The most valuable freedom on the path to financial independence has not been luxury. It has been psychological room.
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Three Things I Wish I’d Understood at £50k Net Worth
At around £50k net worth, a few principles would have saved me time, money, and unnecessary complexity.
Put a number on your own path
The £1m Path Calculator helps you explore how your current investments, contribution rate, return assumptions and time horizon could work together. It is private, illustrative and designed to make the cost of waiting clearer.
What I am building
I am using investing as a route to more choice over my time. The £1m target gives the journey a useful shape, but financial independence is not a finish line or a reason to put the rest of life on hold.
This section is where I share the questions I am still working through: how much is enough, what a sustainable contribution rate looks like, and how to make progress without making money the whole point.
Explore the journey
Enough and freedom
The question is not just how much you can build. It is what a freer life would actually look like once you have more choice.
Contribution rate and trade-offs
Contribution rate matters, but it is not the only measure of a good life. The choices along the way matter too.
Mindset and psychology
Explore the behavioural side of investing and the personal reflections behind the numbers.
Keep exploring
I share shorter thoughts and day-to-day observations on X.