Financial EducationMoney Advicevlog

How To Survive Life

Through all the peaks and trough' to survive life.

Life’s a bitch, so people say.

I don’t agree, but much of life is certainly unpredictable. Like the stock market, I guess.

It would be fantastic if the stock market rose in a straight line all the time, but it doesn’t. It goes up and down. It has its peaks and troughs – much the same as life.

In my own time, I’ve spent 12 years in the Forces, 7 years in politics (dining at both 10 & 11 Downing St), I started a company from scratch and employed over 300 people, I was Head of Business Development for a large Mortgage Packager (CeMap qualified), and I’ve been sales Director for a property investment franchise (we’d buy 60 properties per month at our peak).

But, ever aware that no one likes a smart arse, I’m equally happy to share the troughs with you; you see, we all have things we leave off our CV. In between the peaks, I’ve had to sing in bars and restaurants, been a cabbie, and car park attendant. I share these things with you because to me, the measure of a person is not how many times you get knocked down, but how many times you get back up.

Getting back to the stock market analogy, there is a way that I could have smoothed out the peaks and troughs. It’s a method that only occurs to you with age and hopefully a little wisdom.

If from the age of 18 to 67, I had only set aside £100pm each month, index-linked it, and achieved a growth rate of 8% or so, I would be a millionaire.

I wish I’d known that when I was 18.

But that would be an uncommon wisdom at 18. Wisdom comes from experience and reflection. To be able to project the knowledge learned into the future, for your benefit or the benefit of others.

It’s said that the mistakes you make yourself, are the ones you remember best. That’s true, but it’s not the most efficient way to learn. That would be to learn from the mistakes of others.

So, learn from me today. Start investing now.

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