You don't need
a head start.

My early career was in music, engineering sessions at studios like Abbey Road and Olympic Studios, alongside producers like Mark 'Spike' Stent, and playing in a band, The Slips, signed to EMI, until a reviewer called a song of ours 'a new low'. Then a corporate career, from project manager to Chief Operating Officer over a decade, worn down by how much of my pay went in tax before it reached me.

I keep things simple and let time and discipline do the work. I am not a financial adviser, I am not regulated, and I never worked in the City. Nothing I write is personal advice, just the honest guide I wish I had had at the start.