If I Started Investing in 2025 This is What I'd Do
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 needs. But by splitting your money this way, you shield yourself from emergencies, keep your daily finances healthy, and give yourself the best shot at long-term wealth. Just keep it simple, automate where possible, and review once or twice a year to make sure you’re on track.
Why Invest Only Surplus Money?
It’s tempting to dive right in when the stock market feels like an express elevator to the penthouse. But here’s a timeless truth: investing should come after your essentials, never before. Think of your investments as seeds you plant only once your day-to-day garden is thriving.
There are a few good reasons for this:
Life Happens: Emergencies, big expenses, or sudden changes can pop up when you least expect them. Investing money you might need tomorrow could mean having to sell at the worst possible time, often at a loss.
Peace of Mind: By ensuring your basic needs and safety net are covered first, you invest with a clear head and the patience truly needed to let your money grow.
Long-Term Focus: Wealth isn’t built by trying to flip your grocery money in six months. The real wins come to those who let their surplus work quietly in the background, think five, ten, or even twenty years, like Warren Buffett sipping his Coke and ignoring the short-term noise.
So, before you invest, double-check your budget, top up your rainy-day fund, and settle any high-interest debts. That way, every pound or dollar you put to work is free to grow, without risking the peace and stability you've worked so hard to build.
Why Long-Term Investing Beats Sitting on Cash
Let's talk about the bigger picture: if you've got your sights set on true wealth-building, history shows that investing in diversified stock indices trumps letting your money snooze in a savings account. Sure, there will be bumps, markets rise and fall like the British weather, but over time, growth wins.
Take something like the MSCI All Countries World Index. Over the past decade, it's delivered some strikingly solid gains for patient investors, way outpacing typical interest from cash savings. We're talking double- and even triple-digit percentage growth if you zoom out to a 5- or 10-year horizon (with all income reinvested along the way).
But, and it’s a big but, nothing is ever guaranteed. Even the star performers have bad years, and you could get back less than you put in if you need your money during a downturn. That’s why a savvy investor always keeps a stash of cash for short-term expenses and emergencies, while putting longer-term money to work in investments with the potential to outpace inflation.
By blending both approaches, you give yourself the best shot at growing your wealth and protecting your peace of mind.
How Wealth Managers Calculate Your Emergency Fund
You’ve probably heard the advice: tuck away a few months’ salary in savings, just in case. But in the real world, the numbers are a bit more personal.
Here’s how the pros actually crunch it: Instead of a blanket “three or six months’ salary,” seasoned wealth managers look at your genuine monthly outgoings, think regular bills, rent or mortgage, groceries, transport, and, yes, the joys that make life worth living. They help you total everything you need to keep life ticking over comfortably.
The recommended cushion: Aim to stash at least six months of your true monthly expenses in a separate, “rainy day” fund.
Personalised safety net: For some, a year’s worth of expenses makes sense, maybe you’re self-employed, or just want extra peace of mind.
The bare minimum: No matter your situation, never let it fall below four months of essential costs (plus anything important you know is coming up, like car repairs or annual insurance).
By tailoring your emergency fund to your actual lifestyle, rather than just a salary number, you’ll know you’re protected, whatever curveballs come your way.
When to Consider a Fixed Term Savings Account
If you've already set aside your emergency fund, you might be wondering where to park additional savings for costs you can see coming down the road. A fixed term savings account can be an excellent choice for bigger, predictable expenses you’ll face in the next few years.
Some examples include:
Setting aside money for a future tax bill.
Planning for major home improvements or renovations.
Saving up for a special holiday or milestone celebration.
By putting this cash somewhere that offers a better interest rate than your regular account, your money not only stays out of easy reach (reducing temptation to dip in), but it also grows steadily until you need it. So when those planned expenses arrive, you'll have what you need, plus a little extra thanks to the interest you've earned.
Using Fixed Term Savings for Future Expenses
Once your emergency fund is set, it’s time to look ahead to those unavoidable, big-ticket costs, think tax bills, home renovations, or even that dream getaway you’re planning for next year. This is where fixed term savings accounts step into the spotlight.
By locking your money away for a set period, typically one to two years, you tap into higher interest rates than what you’d get with your standard current account. The key benefit here? These accounts make it harder to dip into the funds on a whim, so you’re far less likely to spend the money impulsively.
Here’s how a fixed term savings account fits into your financial toolkit:
Higher returns: Your money grows at a better rate, giving you more when it’s time to pay those bigger bills.
Disciplined saving: Since the cash isn’t easily accessible, you’re less tempted to raid it before you reach your goal.
Peace of mind: When the expense finally arrives, you’ll have a tidy sum ready, maybe even a bonus from the interest earned.
Think of it as your “future expenses vault”, protecting what you’ve worked hard to earn, and helping you hit your savings targets with less stress.
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