👋 Hey Investors,
This is part two of the series on how different age groups should invest their money. Ages 28 to 35 come with real pressure. Rent jumps, work feels heavier, and many people start believing they are behind financially. The good news is that you can change your whole direction with a simple, actionable plan. You do not need a high income to build wealth. You just need clarity and consistency. Here is how to take control of your money at this stage of life, even in London.
London isn’t cheap. But you can still build a future here.
Build a Simple System
The biggest problem at this age is financial chaos. People save one month, spend the next and invest only when life feels calm. The fix is building a small system that runs automatically. Take your spare income and split it into three parts. Half goes into investing, a quarter builds your emergency fund, and the last quarter is used to improve your income. This one move removes stress because you always know exactly what to do with your money every month.
Be Consistent With Investing
Another major issue is waiting for the “perfect moment” to invest. That moment never comes. Instead, commit to a monthly amount that you can stick to, even if it is small. £100 to £200 a month is enough to create real long-term growth. Keep your investments simple with index funds and one or two companies you trust. Staying consistent solves the problem of overthinking and helps your money grow quietly in the background.
Focus on Earning More
Many people at this age don’t have a clear plan. Money comes in, bills get paid, and whatever is left goes toward food, travel, or going out. So here is a simple way to make it realistic. Imagine you earn £2000 a month. Your bills take about £1200. That leaves you with £800 for everything else. If you want to start building stability, take a small part of that £800 the moment you get paid. Even £300 is enough. Put it straight into investing or savings before you touch anything else. You still have £500 left for your normal life, and you’re actually moving forward every month instead of starting from zero again.
Build Freedom, Not Pressure
Money starts to feel heavy at this age because people try to do everything at once. The goal is not to get rich tomorrow. It is to create space in your life. Space to leave a job you hate. Space to take a break. Space to build something new. Investing consistently, growing your income and building a small emergency fund give you control over your future. Even if you earn a low income now, following a simple plan every month will move you forward.
Let’s keep going.
I personally use Trading 212 for my ISA because it makes regular deposits easy and gives simple access to long-term investments. If you decide to open an account using my link, I may receive a small referral fee at no extra cost to you.
