Just one sec...
Your income, your buffer, your debt position — they're all in the right place. The one thing holding you back from investing isn't your money. It's how long you think you need to keep your hands on it. You've told me you'd want this money within a couple of years. Most cautious savers say the same thing — it's the safest feeling. But have you actually checked?
Being a cautious saver, you learn to keep your money close. You build the buffer, you sit on cash, you tell yourself you might need it within a year — and you tell yourself that every year. The time you think you have and the time your money has been sitting still are quite different.
I know exactly how you feel — I've been there. When you've grown up without money, every pound feels like one you might need. I worked hard to save what I had and the idea of risking it didn't feel right. I didn't realise that was actually the bigger risk. The most expensive financial mistake I made wasn't a bad investment. It was the time I spent sitting on cash, telling myself I might need it within a year, while inflation was pushing me back into the very situation I was trying to escape.
The Long-Term Money Calculator works out the portion of your savings that could be invested longer than one year — and then shows you, in simple numbers, what that figure could become if you do exactly what you've always done with it — leave it alone.
The Long-Term Money Calculator
Pick a savings pot, answer a couple of questions, and the calculator will work out two things:
Your Long-Term Money — the portion of that pot that’s been long-term all along
Projected Amount — what both figures could look like after 3, 5, 10 years and longer, if you leave it alone
The first number is a starting figure. The second number is what time does to it.
You'll also join the First Step Investor waitlist. The course is the natural next step once you know you have money that can be left alone for at least 2 years. 've seen your Long-Term Money figure — it's how you turn a starting figure into a working Personal Investment Plan. Contributing Members get special pricing and first access at launch. If that's not for you no problem, you can always leave the waitlist while keeping the calculator.
When you know your Long-Term Money figure and what it becomes if you leave it, the next step is the First Step Investor — a two-week course that takes you from "I know I should invest" to a completed Personal Investment Plan and your first real investment made. I'm building it module-by-module, and waitlist members get offered first access at special launch pricing.
Use the calculator. Run it on the pot you've been sitting on, and the projection will tell you what it could cost you by doing nothing.
One last thing, your answer to Q5 (What’s been stopping you?):