🧩 Money in London is a different game

📌 Today’s Edition

💸 Why rich people’s money advice sounds smart but breaks in real life

🧠 The hidden gap between protecting wealth and trying to build it

⚠️ How following the wrong rules keeps low-income people stuck longer

💸Rich people advise the finish line.
Low income people are still at the start.

That advice assumes capital, safety, and room for mistakes.

So people optimise too early.
Diversify too soon.
Spread too thin.

Nothing moves. Everything feels risky.

They avoid upside, wait for perfect conditions.
They never come.

Time passes. Costs rise.

This is how people do everything right
and still stay stuck.

⚠️ You start optimising before there’s anything to optimise.

You diversify too early.
Spread small amounts too thin.
Nothing moves, but everything feels risky.

You avoid upside not because it’s bad
but because you can’t afford the downside.

You wait for perfect conditions.
More savings.
More certainty.
More confidence.

They never come.

So time passes.
Costs rise.
Progress slows.

This is how people do everything right
and still stay stuck.

❌ The problem isn’t that low income people are bad with money.

It’s that they’re advised on the wrong phase of life.

Rules meant for protecting wealth
Handed to people trying to build it.

So they play defence too early.
Avoid upside.
Wait for perfect conditions that never come.

Then they blame themselves.

But the system was wrong for their situation.
Not their effort.
Not their discipline.

✅ The Solution

The mistake is copying rich people.

You need rules that match where you are.

Early on, money decisions have one job
create breathing room.

That means simplicity over optimisation.
Momentum over perfection.
Fewer decisions, not more.

Focus on growing income while investing.
Avoid mistakes that erase progress.
Accept volatility but protect the downside.

Safe comes later.
Diversification comes later.
Preservation comes later.

First, you build the base.
Then the rules change.

🔍 What this looks like in real life

You read the same advice everywhere.

Diversify early.
Avoid risk.
Be patient.

So you spread small amounts across too many things.
You check prices often.
You hesitate before adding more.

Every decision feels heavy because the margin is thin.

You are not reckless.
You are careful.

But be careful, at the wrong stage becomes a brake.

Nothing moves fast enough to matter.
Every setback feels bigger than it should.

This is how good intentions turn into slow progress.

📘🟦 Real Example

🟦 A millionaire tells you to diversify early.

So you split £3000 across ten ETFs and stocks.

Each position is too small to matter.
Every dip feels scary.
Every gain feels meaningless.

You spend more time managing than progressing.

For them, diversification reduces risk.
For you, it just reduces momentum.

Same advice.
Different outcome.

🔍 Quick check

If losing 500 this month would slow your life down,
You’re still building the base,
not protecting it.

⚠️ The mistake
You’re following advice from people with capital.

So you optimise before there’s anything to optimise.
Diversifying early feels smart,
but it spreads progress thin.

🧠 Why does it feel risky
That advice assumes safety you don’t have.

So you avoid upside not because it’s bad,
but because you can’t afford the downside.
Every move feels heavy.

🎉🟫 Fun idea of the week

Write down one money rule you follow because it feels safe.
Now ask yourself.
Who was this rule designed for
someone building wealth
or someone protecting it