Jamie @DataGonezo

This UK heatwave calls for 1 thing and 1 thing only... BBQ 🍖 What is everyone else up to today?

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Yesterday I prioritised time off my phone to spend with my family. Took my eldest daughter to a funfair and had time in the sun, relaxing 🌞 I know short term it hurts my engagement here & progress in my tech business... but life is about balance and being present with my wife and kids st the weekend is the ultimate win! How do you guys balance family tine & work commitments on the weekend?

Okay guys jumping on the bandwagon but with a slightly different perspective… There's a massive trend on FinX breaking down car finance payments and showing how much that money would be worth if it was shoved into the S&P 500 instead. While I broadly agree with the sentiment, the reality of family life means sometimes a reliable car wins. Here is the actual math on how we did it: We used Covid as a reset to drop down from two cars to one solid family SUV. We got a brand new Skoda Kamiq on a 0% PCP deal: Total Cost: £22,510 minus a £1,250 dealer contribution = £21,260 The Sales/ Trade-In: - Sold a VW Golf for £5,000 - Part-exchanged a Hyundai for £4.250 NET COST - £12,000 The Term: - Paid £200/mo for 36 months = £7200 The Balloon: Kept the car at the end - Paid £3,600 cash - Remaining £6,500 on a 0% credit card (£325 for 20 months) By dropping the second car, we wiped out an entire set of insurance, tax, and maintenance costs, plus had zero MOT worries for the first 3 years. Financially, could that final payment have been optimized better? Probably. But having a reliable, hassle-free family car on 0% credit while our main capital stayed compounding in the market was a massive win for us. Anyone else have a similar experience? 👇

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I finally took the plunge last night and booked our next family holiday, and it’s a big one for us! 🙌 It will mark 8 years since we last went abroad by the time we fly out in 2027. I Managed to be pretty frugal by shopping around and locked in flights and 2 weeks of accommodation in Benidorm for a family of 4 for £1,250. I Put the whole thing on a 0% credit card so we can just pay it off gradually without touching our safety net or investments In the finance community, the easy argument is always to say that £1,250 should be shoved straight into the market to compound instead. But looking at numbers on a screen is one thing.. real life is another. The look on my wife’s and daughters' faces when we finally get abroad is going to be completely priceless. How do you balance family milestones against your investing goals? 👇

I got my first taste of investing completely by luck. Nearly 15 years ago, I took a temp role in a finance department. Growing up on a council estate, nobody in my family knew anything about investing, and school definitely didn't teach it. The job was just mundane admin i.e. dealing with ISA transfers. But the initial training was actually incredibly informative and broke down exactly how ISAs worked and the power of tax free compounding. That random admin job set me on a path of curiosity that completely changed my financial trajectory. It shouldn't come down to pure luck, but most working class kids today never get that accidental break. What was your first experience with investing? Did someone actually teach you, or did you just stumble into it? 👇 P.s. GIF below is not real footage of my job (for anyone who wants to poke fun at me being old 😂 😂 😂

Wow, just hit 700 followers 🔥 Thanks to everyone following my journey and engaging! Awesome community FinX!! 👏

@MKBHD All my $AAPL products are pre-owned. But even new you can grab M4 MacBook airs dirt cheap on offer. There are still loads of deals to be had, just avoid buying new from Apple directly! Cant blame them for the price hike though, it was inevitable!

Holy moly, what happened with $GOOG ? Not been paying much attention to the open as been at physio. Anyone know what's causing the 6%+ drop?

How I feel when people are advising to buy the dip today.. 😅😅😅 Anyone else feeling the same? 😭😭😭

Thanks for sharing this @JacobTradesX This government really are so short sighted. Here in the UK, financial literacy is on the floor. People are too busy doing the following: - Racking up debt ( to keep up with the Joneses) and buying things they can't afford - Spending every penny they earn and not thinking about "tomorrow" - paying way too much on car finance The government need to address this in the education system I.e - Lessons on budgeting & saving - Education on investing for adults and children to remove fear - Incentives to invest more The government are choosing to penalised savers rather than address the core issues. I am so done and underwhelmed with this government. 😤

Jacob Petch - Trader/Investor📈 @JacobTradesX

a week ago

Good morning FinX! ☕️ Seen this news today, HMRC has announced 22% tax on interest in Stocks ISA’s at some point this was going to happen….. 🤦 Here’s the full page: theguardian.com/money/2026/jun…

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Here’s a debate for the timeline… Excluding family ties: Is the Stocks & Shares ISA the absolute best thing about living in the UK? In my opinion, it 100% is… Shielding £20k every single year from capital gains and dividend tax is an absolute cheat code for building wealth.  Can you think of a better policy / benefit to live in the UK that beats the ISA? The only thing that comes to mind are is no Capital Gains Tax (CGT) when selling your primary residence.

This sounds like a logistical nightmare, this government couldn’t organise a piss up in a brewery, so I don’t think they’ll be capable of pulling this off!

Politics UK @PolitlcsUK

a week ago

🚨 NEW: The UK has announced that interest on cash in Stocks and Shares ISAs will be taxed at 22%

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Genuinely mind-blown by the news of a 22% tax on cash interest inside a Stocks & Shares ISA. To be clear: this isn't about the direct financial impact on my own portfolio. It’s the absolutely exhausting precedent it sets. The government just cannot resist meddling with and making an absolute mess of the few tax free wealth building tools we actually have left. They refuse to address the core issue.. proper financial education for kids and adults. Instead, they keep pushing the old narrative: go to university, take on massive debt, and climb the corporate ladder. I did that exact corporate route. My family was proud, but it felt like a trap. The system forces people into massive debt to line institutional pockets, even though graduate prospects are at an all time low. It’s the main reason I’m building a software business and focusing on content to go fully self-employed. We own our home here, but the long term plan is shifting. Once the businesses are scaled, why stay? Anyone else genuinely planning a move abroad because of the state of things over here? Sorry for the rant! 😂

Politics UK @PolitlcsUK

a week ago

🚨 NEW: The UK has announced that interest on cash in Stocks and Shares ISAs will be taxed at 22%

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I love this @BruceUnfiltered, it’s how we are all feeling right now. 🎙️ This government are an absolute disgrace

Exactly 13 days ago, I set up this account to talk markets and connect with other investors. To say the response has been wild is an understatement. Hitting 286K impressions and nearly 680 followers in under two weeks is mental. Since there are a lot of new followers, here is a quick look at my investing timeline so far: Jan 2021: Started with £315/mo in a workplace scheme (£11.5k total) Jan 2024: Scheme matured, sold it all for £21.5k Most of 2024: Sat on cash not knowing where to go next (also pre-occupied with redundancy offer & trying to set up new business) Late 2024: Moved everything over to Trading 212 (initially in Cash ISA) Early 2025: Went all-in on $NVDA at an average of $115.60 (now a £50k+ position) 2025 - now: Started building out new positions ($GOOGL, $GRAB, $SOFI, etc.) I’m also building a software business in public and working toward going fully self-employed to escape the standard corporate grind. No gatekeeping, no fake financial guru advice, just transparent portfolio updates, the wins, and the brutal paper losses ($BMNR, looking at you). If you're on a similar path, drop a reply and introduce yourself. Let’s connect 🚀

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$AAPL products are fantastic and Apple have done well to get pricing down to a really competitive state. I would avoid buying direct from Apple and buying used/ refurbished or looking for deals on slightly older models Take for example the M4 MacBook Air - this is a beast of a laptop, which is more than powerful enough for 95% of users. The 512GB/ 16GB configuration model is £799 right now: currys.co.uk/products/apple… That is a serious bargain for a new M series laptop. This was coming a mile off this price increase with the RAM crisis!

Watcher.Guru @WatcherGuru

a week ago

JUST IN: Apple $AAPL raises iPads and Macs prices due to memory chip costs: • iPad Air: $599 → $749 • MacBook Neo: $599 → $699 • iPad Pro WiFi: $999 → $1,199 • MacBook Air: $1,099 → $1,299 • MacBook Pro: $1,699 → $1,999

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Losing £7,500 on paper during the 2025 tariff sell off was brutal. But honestly? It isn't my biggest financial regret… My most painful reflection is what I did in 2024. I sat on a massive pile of cash and did absolutely nothing with it. I had just cashed out £21.5k from a corporate share scheme. On top of that, I had another £15k–£20k split across bank accounts and Premium Bonds. Around £40,000 sitting there, earning virtually zero interest! Honestly, I feel like a fool looking back. 2024 was a weird year on a personal level, but letting a whole year slip by without progressing my finances is a tough pill to swallow. In a roaring bull market, standing still is the exact same thing as moving backward. Lesson learned. It just goes to show you make mistakes later in life too ( I was mid 30s at the time 😅) Anyone have any mistakes that you look back and reflect on? Let me know below 👇

Jamie @JamieFInvests

3 weeks ago

May 2025. Peak tariffs were hitting, the portfolio was absolutely in the mud, and I had a horrible sinking feeling in my stomach every single day. ​Losing over £7,500 on a single position hurts, no matter how much you back your thesis. ​ It went red for months. It felt

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Spending time with my daughters is what the weekend is all about! All this work on my startup + investing is to live a life by design and have the flexibility to spend as much time with my kids as possible! It's important to have a why to keep yourself accountable and consistent! What's your "why"?

Happy fathers day 👨 to all the dads out there, celebrating today. Been a brilliant morning with the family, followed by a BBQ and pool day!

What it's all about.. BBQ, family & pool day! 🌞😎🏊‍♂️🇬🇧 Let's hope for a green day tomorrow 🙏 What's everyone else doing today? Comment below 👇 #fathersday #bbq #uksummer